Consumer Knowledge of the Costs of Open-end Credit

A 1977 mail survey of 1,330 Minnesota households found that few respondents had knowledge of the annual percentage rate (APR) of interest on open-end credit accounts or knowledge of the actual dollar finance charge. Knowledge of APR and knowledge of actual dollar costs were, however, found to be closely associated with more realistic assessments of “reasonable” credit costs. Economic theory predicts that those who misperceive credit costs will not use an optimum amount of credit given their preferences and resources, 2nd will, therefore, incur some economic loss. This study found that those respondents most likely to have incurred such losses were from households characterized by low levels of income and education.     

Academy of Marketing Conference "2001: A Marketing Odyssey"

This study examines the mediating influence of consumer expertise on the antecedents and consequences of Affect within a professional services market context. Whilst there is increasing evidence to suggest an empirical link between Affect evoked and satisfaction within such contexts, previous research has largely ignored the role of consumer expertise as a mediating influence. Using a scenario based approach, the objective of the study was to test for multigroup invariance among competing structural models based on the ability of the respondents to form expectation and performance assessments about the service they are receiving. The results indicate that it is important to examine different levels of consumer expertise in detail to better understand how certain characteristics such as experience and qualifications influence the priority and functionality attached to service attributes when making satisfaction judgments within a professional service context. This may in turn have broader implications for our contextual understanding of services.     

Generativity and self‐enhancement values in eco‐friendly behavioral intentions and environmentally responsible consumption behavior

During the past 35 years, academic researchers have been examining the relationship between environmentally responsible consumption behavior and numerous antecedent variables. Because sustainability requires a long‐term perspective, the study included generativity, a construct developed by Erikson ( 1950 ) and self‐enhancement values (Schwartz, 1994 ) as antecedent variables for environmentally responsible consumption behavior. Generativity refers to individuals' beliefs that their current behavior has consequences that extend into future generations, while self‐enhancement refers to values relating to power, wealth, and influence. These variables are related in that generativity requires consideration of others while self‐enhancement generally refers to considering only one's self. This suggests that individuals high on generativity ought to be more aware of and concerned about the environment and should modify their behavior accordingly, and those who are high on self‐enhancement should be less concerned or willing to change behavior. The results of the study, including French and American respondents, indicate that individuals who score high on generativity are more likely to have eco‐friendly intentions and more environmentally responsible consumption behaviors, but generativity interacts with self‐enhancement, resulting in an interpretation that is different from that typically found in environmentally related studies. © 2010 Wiley Periodicals, Inc.     

The Role of Mere Exposure Effect on Ethical Tolerance: a Two-Study Approach

This paper reports on the results from two studies that were conducted eight years apart with different respondents. The studies examined the role of the Mere Exposure Effect on ethical tolerance or acceptability of particular business decisions. The results from Study 1 show there is a significant difference in ethical judgment for 12 out of 16 vignettes between those who have been exposed to such situations compared to those who have not been exposed to them. In those 12 situations, those who have been exposed to such situations adopted a more tolerant stance toward the ethically questionable behavior. The results from Study 2 show there is a significant difference in ethical judgment for 9 out of 16 vignettes between those who have been exposed to such situations compared to those who have not been exposed to them. Again, in those nine situations, those who have been exposed to such situations adopted a more tolerant stance toward the ethically questionable behavior. Interestingly, the 9 situations in Study 2 were 9 of the 12 situations found to be significant in Study 1, and in the same direction, suggesting that we have found consistency in our findings and support for the Mere Exposure Effect. Implications are provided for both higher education and practitioners.     

I Know What I Know,but I will Probably Fail Anyway: How Learned Helplessness Moderates the Knowledge Calibration–Dietary Choice Quality Relationship

Prior research suggests that knowledge calibration (KC) supports consumers’ maintenance of a healthy diet. However, no previous studies have considered that learned helpless consumers may refrain from using their knowledge, even though they may be fully aware that they possess it. This research gap is considered in three studies. Study 1 investigates the moderating effect of learned helplessness (LH) by means of a cross‐sectional survey. Studies 2 and 3 are online choice studies. Besides from replicating Study 1, Studies 2 and 3 eliminate potential social desirability bias by objectively measuring respondents’ dietary choice quality. In addition, Study 3 takes into account the possibility that respondents’ responses may be biased by food preferences, medical conditions, and/or food allergies. Moreover, Studies 2 and 3 both investigate the consequences of the findings on consumers who live under a dieting regime. These studies demonstrate that consumers suffering from LH do not stand to gain from calibrating their dietary knowledge to the same degree as other consumers. It is also shown that dieting behavior has a tendency to weaken this negative moderating effect of LH on the relationship between KC and dietary choice quality. Finally, the implications of the findings for marketers and public policymakers are discussed.     

Food safety knowledge and practices of consumers in the U.S.A.

Use of safe food handling practices in the home could reduce the number of foodborne illnesses. The objective of this project was to obtain baseline data on the safe food handling knowledge and practices of consumers to aid in the development of effective educational programmes. A food handling questionnaire was developed and completed by 426 Nebraskan respondents. Knowledge and practice questions were based on the most important contributory factors in reported foodborne illness outbreaks. Knowledge scores (correct responses) ranged from 2 to 29 with a mean of 20 ± 4. When compared with the knowledge score, the respondents' education level, where they lived and their sex were statistically significant. Almost all (96%) of the respondents stated that they practised safe food handling when persons were infected. Approximately half of the respondents indicated that they practised safe food handling when handling contaminated raw foods and using foods from unsafe sources. About 45% of the respondents inappropriately left foods at room temperature. One-third of the survey respondents improperly held hot foods. Cross-contamination was a concept understood by 75% of the respondents. Results indicate that food safety education should be targeted on specific groups who are less knowledgeable about safe food handling practices. Results also indicate that a number of respondents knew proper food handling concepts but did not put those concepts into practice. Therefore, increasing the adoption of safe food handling practices by consumers should become an important aspect for educators in food safety educational programmes.     

In Search of the “Meta‐Maven”: An Examination of Market Maven Behavior across Real‐Life,Web, and Virtual World Marketing Channels

Recently, a new set of channels for consumer and business interaction have emerged—three‐ dimensional “virtual” worlds. This study attempts to better understand the nature of market maven behavior (diffusers of general marketplace and shopping information) across three different channels—virtual worlds, the Web, and real‐life—and to examine the extent to which market maven behavior is transferable across channel context (i.e., “fluid”) or channel dependent. Using data from two surveys (one in the virtual world “Second Life” and a follow‐up Web survey for the same respondents), this paper explores differences and determinants of maven behavior. Employing partial least squares analysis, the findings indicate that market maven propensity is transferable across channels (i.e., high‐scoring market mavens retain this across channel). However, while there may be the transferability of market maven behavior across channels, the findings demonstrate that maven propensity is influenced by the channel context. Consequently, individuals with high maven propensity tend to exhibit channels in which this behavior is more prominent. Therefore, market maven behavior might not only span general product categories, but also the channel itself (i.e., maven behavior remains fairly constant—or fluid—across channel). The findings also point to possible characteristics that may be used in the identification of market mavens: market mavens typically have greater cognizance of other mavens, are technology‐savvy and individualistic, are of either gender and tend to be older and more intensive and experienced users of Web platforms and also intensive users of virtual worlds than those with low maven propensity. The findings of the study contribute to understanding market maven behavior, and provide an insight into the practices of mavens in a multichannel context, particularly in the case of the emerging channels that are virtual worlds.     

Analyzing the Structure of the International Business Curriculum in India

This article analyzes the structure of the international business curriculum through a questionnaire-based survey among current students and young managers who are studying or have studied international business courses in one of the top B-Schools of India. Respondents have the opinion that international business is more than internationalization of different functional areas and is to be treated as a separate academic discipline. In the context of pedagogy, respondents feel the need for more elective courses on international business and prefer learning through different methods such as foreign country visits, simulation, and role playing activities.     

The Effects of Ethical Leadership and Ethical Climate on Employee Ethical Behavior in the International Port Context

This study empirically examined the effects of ethical leadership and ethical climate on employee ethical behavior in the international port context using survey data collected from 128 respondents who worked in Taiwan International Ports Corporation (TIPC) in Taiwan. Research hypotheses were formulated from the previous literature and tested using structural equation modeling. Results indicated that ethical leadership had a significant impact on ethical climate and the ethical behavior of TIPC employees. Ethical climate was found to be positively associated with employee ethical behavior. The theoretical and practical implications of the research findings are discussed.     

Green Consumption Behavior Antecedents: Environmental Concern,Knowledge, and Beliefs

The present study adds to the evolving literature on green consumer behavior by examining through statistically robust methods the effect and interrelationships of the key constructs of environmental concern, consumer environmental knowledge, beliefs about biofuels, and behavioral intention (i.e., willingness to use and pay) in the context of biofuels. Data were collected through a survey of 1695 respondents. Hypotheses are based on a literature review and a pilot study, and the conceptual structural model developed is tested through structural equation modeling. Results show that concern for the environment has a positive and direct impact on environmental knowledge, beliefs, and behavioral intention. Also, demographics determine levels of concern for the environment and environmental knowledge. All constructs associate positively with one another delineating that the interdependencies between them are important when accounting for environmental behavior. Future research should validate present results with the use of cross‐cultural samples and investigate whether environmental concern increases due to social desirability response bias.     

Means–end analysis: Does the affective state influence information processing style?

Means–end theory aims at explaining how consumers evaluate products by linking relevant attributes to perceived consequences to desired ends in a hierarchical way, based on core assumptions of cognitive psychology about human information processing. This study investigates the influence of affective states on information processing styles in a means–end measurement situation, thus taking into account an important antecedent and correlate of human decision making and behavior that has received scarce attention so far in the methodological literature on means–end chains. The results reveal that a person's affective state indeed influences the style of information processing. Respondents in a positive mood used more general knowledge structures and processed the laddering questionnaire faster than respondents in a negative or neutral mood. The laddering technique, which measures means–end chains, thus seems to be sensitive to situational effects, and this finding indicates that affective states then also might have an influence on product knowledge and the decision‐making process in a purchase situation. © 2004 Wiley Periodicals, Inc.     

Waiting for service: modelling the effectiveness of service interventions

Most service businesses tend to experience unwelcome delays in service delivery that often generate strong negative impacts from customers. In response, managers develop and implement service intervention strategies, such as providing length and reason of a delay, both of which have been reported to have positive impacts on customers. However, the results from studies investigating such interventions are mixed. Accordingly, it is hypothesised that these effects may be contingent upon certain situations. This research project has investigated the wait situation using an experimental design. A 2 × 2 × 2 factorial design was first created using a restaurant scenario for the stimulus material and an online web site was used to collect data from 130 respondents. Our findings indicate a significant moderating effect of level of service use and degree of goal attractiveness on the effectiveness of providing duration and cause information. More importantly, we found that under certain conditions a service intervention may be counterproductive to the intended strategy. This finding suggests that managers need to be wary of developing and executing expensive service recovery strategies without due regard to the customer segment being targeted.     

Explaining the Role of Perceived Risk,Knowledge, Price,and Cost in Dry Fish Consumption Within the Theory of Planned Behavior

ABSTRACT

The general purpose of this study is to explore the influence of perceived risk, knowledge, price, and cost of dry fish consumption in Bangladesh using the general framework from the theory of planned behavior (TPB). The field experiments were performed in Bangladesh with a convenience sample of 558 respondents. Multiple regression analysis was used to investigate the relationship among perceived risk, knowledge, price, and cost and TPB constructs. The findings showed that attitude, norms, and procedural knowledge emerge as the key determinants of intention, whereas intention, attitude, norms, and perceived risk have effects on the dry fish consumption frequency. Perceived behavioral control, price, and cost had no significant effect on intention and consumption behavior. The proposed TPB and the extended model both fit the data well and proved the expectations of this study in a promising way. The study found that people are more concerned about potential long-term risk to their family and others. Therefore, management attention should focus on reducing risks which consumers may face through producing safe and hazard-free dry fish.     

Interpersonal similarity and knowledge sharing within multinational organizations

Previous research has established that interpersonal similarity can influence knowledge sharing in such a way that similar people are more likely to share knowledge than those who are dissimilar. We contribute to the literature by showing that in the MNC context, cultural and functional similarity can become more powerful sources of bias than more commonly assumed demographic characteristics such as gender or seniority. This may be driven by the salience of such boundaries in the MNC: while demographic characteristics are more broadly distributed, cultural and functional barriers create more defined and observable faultlines, often coinciding with unit boundaries. We further argue that it may not be similarity as such that matters but rather its positive impact on different dimensions of social capital, which mediate the relationship between similarity and knowledge sharing. These microfoundations of inter-unit knowledge exchange point to important theoretical and practical implications for international management.     

Information Systems Ethics: A Practitioner Survey

Fortune 500 non-management employees who work in their company's information systems department were polled via a mail survey; of 191 surveys sent (one to a company), 123 (64%) were returned. Virtually all respondents (97%) indicated that management should define ethical computer use for employees. A majority of respondents (60%) reported that the method management uses to do this should be some form of consensus building. Almost two thirds of respondents (63%) reported that the definition of ethical computer use was well known in their organization. Finally, over half of the respondents (55%) had no personal knowledge that computer abuse occurred in their organization – a surprisingly favorable finding. Of responses indicating knowledge of computer abuse, only about a quarter (26%) indicated direct evidence of the problem.     

Are Students Really Less Ethical Than Business Practitioners?

Past research provides evidence of lower ethical standards amongst the student population when compared to business practitioners, using business-based survey instruments. This study examines the adequacy of this conventional research tool by assessing the influence of scenario context (university or business setting) on ethical intentions using data from 243 commerce tertiary students.Students tended to respond more ethically to issues set in a university context than to equivalent issues in a business setting. The tolerance level for unethical behaviour in both contexts was also found to decline with full-time work experience and age. However, full-time work experience appears to be the major variable influencing ethical ratings set in a business context, whereas age was found to predict the ethical judgements of students in the university scenarios. The overall pattern of responses indicates that ethical standards vary according to scenario context.The study illustrates the importance of considering respondents' exposure to the settings concerned when conducting ethical studies using scenario-based instruments. Respondents should have adequate knowledge and exposure to the type of setting they are asked to evaluate. Results of this study argue for caution in the interpretation of past findings involving student samples responding to ethical issues in business settings.     

What happened to civility? Understanding rude behavior through the lens of organizational justice

The ability to have polite conversation between individuals who disagree with one another seems to be a rare quality today. Organizational justice theory may help explain why rude behavior seems so prevalent and whether the rudeness in politics and society creates a polarized environment that could impact the workplace. Three recent legal decisions concerning healthcare, same-sex marriage, and the Michael Brown case, along with three workplace examples of deliberate rudeness, are examined to analyze the polarization of opposing viewpoints and the incivility that resulted from these situations. When a decision is viewed as a win-lose situation and people perceive the decision process as unfair, losers in the decision may feel threatened and react by engaging in deviant behavior that is uncivil. Winners may also engage in behavior that is uncivil and intolerant of opposing viewpoints. The result is a cycle of incivility that may include character assassination, protests, and a diminished willingness to compromise. Managers should be cognizant of the dangers of rude behavior and create a workplace environment that counters productivity interference caused by incivility and inability to compromise. I suggest specific steps to help stop workplace incivility before it starts.     

Experimental analysis of consumer channel-mix use

Today's consumers have access to multiple consumer distribution channels. To remain competitive, retailers must offer different contact points to consumers. This empirical study examines channel-mix use decisions for 352 online customers' holiday booking preparations. A scenario based experimental approach studies consumer channel-mix use by channel and decision context attributes. The study models effects of time pressure, expected expenditure, channel quality, and access costs on the use of eight channel options, including traditional and online options. Over one-half of respondents use multiple channels to decide trip booking; however, most travelers book trips using the channel they initially investigated for information. Results show expected expenditure does not influence channel use; however, overall cost affects the booking's timing. Time pressures force respondents to visit a travel agent or collect additional brochures to quickly complete the purchase. Results suggest brochures fulfill an important support role.