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21.
Product Ratings as a Market Reaction to Deregulation: Evidence From the German Insurance Market
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This study provides the first investigation of information markets as a reaction to deregulation of product forms in insurance markets. The article studies the case of Germany, where insurance product ratings entered the market after relaxation of product regulation in 1994. The ratings’ potential for enhancing the performance of a deregulated insurance market is analyzed by considering both market structure and governance characteristics of the rating market, since the theoretical literature predicts that both are important determinants of rating outcomes. Data from a unique panel data set containing disability insurance ratings from the three major rating agencies are also examined in light of theoretical predictions. Results suggest that market governance and competition characteristics are favorable for the production of unbiased and informative ratings. Ratings for disability insurance support this interpretation, since the characteristics of the ratings conform to theoretical predictions about ratings in well‐functioning rating markets. 相似文献
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ABSTRACTPurpose: This study examines the role of product development capability for transforming marketing intelligence activities into firm performance on industrial markets.Methodology/Approach: The authors apply structural equation modeling to analyze survey data from 342 industrial manufacturing companies.Findings: Results reveal that sales integration and holistic macroeconomic view are particularly important features of the marketing intelligence capability on industrial markets to gain additional insights in order to develop products successfully. Results also reveal that product development capability transforms the marketing intelligence activities into firm performance on industrial markets.Research Implications: This study offers new insights on marketing theory by extending and concretizing the concept of market orientation to a broader concept of the marketing intelligence capability for industrial markets. Further, this research reveals that the product development capability serves as a mediator to business performance.Practical Implications: This study’s systematic and tangible outline of the dimensions of marketing intelligence and its link to the product development capability helps firms to better understand how to capitalize on market orientation’s potential values.Originality/Value/Contribution: This research (a) reveals the relevant dimensions of marketing intelligence on industrial markets and (b) shows how the product development capability tranforms marketing intelligence activities into firm performance on industrial markets. 相似文献
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Elvinss book is part of a growing body of historicalscholarship that interrogates the lived experience of consumersociety in the twentieth-century United States. Beginning whereWilliam Leachs Land of Desire (1993) left off, Elvinsseeks to complicate "top-down" narratives of the homogenizationof American consumer culture into a national mass market. Takingher cue from Lizabeth Cohens early work on consumptionin Chicago, Elvins examines consumption on the local level in 相似文献
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Stephanie T. Solansky 《Journal of Business Ethics》2014,122(1):39-51
The premise of this paper is that the fear of foolishness is essential to wisdom. Unfortunately, leaders are often conditioned to suppress fear in favor of confidence. However, wise leaders fear foolishness while foolish leaders are fearless. Leaders fall into traps and hit walls that result in fallacies. It is the recognition of these fallacies and the fear of their consequences that compel leaders to seek wisdom. This paper relies on protection motivation theory, the balance theory of wisdom, the imbalance theory of foolishness, and the WICS model of leadership to caution leaders of foolishness so that wisdom can be developed. Specifically, the fear of foolishness is proposed as the motivating factor for the pursuit of wisdom. In doing so, the literatures of wisdom and fear are reviewed and the appraisal process of the fear of foolishness and the coping mechanisms to address foolishness are elaborated on. The protection motivation of the fear of foolishness can fundamentally change leader behaviors and attitudes for the sake of wisdom and individual, organizational, and societal well-being. 相似文献
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Caroline Tynan Sally McKechnie Stephanie Hartley 《Journal of Marketing Management》2014,30(9-10):1058-1081
AbstractTraditionally, customer value has been examined from the perspective of the firm. New understandings of customer value from the customer-dominant logic perspective of services emphasise the need to move away from the service-dominant perspective and adopt a customer-based approach that considers value within the broader context of a customer’s lifeworld. This article explores how individual customers make sense of their participation in an extraordinary, commercially-driven consumption experience. A phenomenological approach is taken to understand the lived experience of these participants. The findings of this exploratory study reveal the highly complex nature of value in the experience in the chosen context of luxury driving experience days. Theoretical and managerial implications are discussed. 相似文献
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AbstractThe transition to adulthood, often accompanied by an emptying of the family nest, has implications for family relationships, identities and consumption practices. Despite this, the voices and experiences of emerging adults are largely missing from literature on family consumption. Emerging adult families typically combine digital natives and digital immigrants, but little is known about how their interactions around digital communications technology relate to emerging adult preoccupations with affiliation and autonomy. This interpretive study explores how emerging adults’ smartphones are bound up with a complex network of family communication and consumption practices, often across household, geographic and generational boundaries. Affiliation and autonomy emerged as intertwined rather than competing dimensions of participants’ smartphone use, contributing to the distribution and development of family as the nest empties. 相似文献
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Talita Greyling Stephanie Rossouw Tamanna Adhikari 《The South African journal of economics. Suid-afrikaanse tydskrif vir ekonomie》2021,89(1):25-43
The COVID-19 pandemic led many governments to implement lockdown regulations to curb the spread of the virus. Though lockdowns do minimise the physical damage caused by the virus, there may also be substantial damage to population well-being. Using a pooled data set, we analyse the relationship between a mandatory lockdown and happiness in three diverse countries: South Africa, New Zealand and Australia. These countries differ amongst others in terms of lockdown regulations and duration. The primary aim is to determine, whether a lockdown is negatively associated with happiness, notwithstanding the characteristics of a country or the strictness of the lockdown regulations. Second, we compare the effect size of the lockdown on happiness between these countries. We use Difference-in-Difference estimations to determine the association between lockdown and happiness and a Least Squares Dummy Variable estimation to study the heterogeneity in the effect size of the lockdown by country. Our results show that a lockdown is associated with a decline in happiness, regardless of the characteristics of the country or the type and duration of its lockdown regulations. Furthermore, the effect size differs between countries in the sense that the more stringent the stay-at-home regulations are, the greater it seems to be. 相似文献
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Stephanie Atkinson Angela Sandwith 《International Journal of Technology and Design Education》2014,24(2):163-186
In the school based subject of design and technology (D&T) a fundamental element is designing and making functional products using critical and creative thinking whilst developing skills in the use of a variety of processes and materials. Teachers of the subject need to be more then just ‘enthusiastic’ about the processes involved if they are to develop enthusiasm in their pupils that will sustain them through the exciting but sometimes arduous and difficult processes required to achieve outcomes of which they and their teachers can be proud. The intention of this research project, using an initial sample of forty-nine students and a non-probability purposive sample of ten students studying to become D&T teachers was to tease out the factors which appear to enable some students to be passionate about creating a product to a given brief while others from similar backgrounds and expectations, given the same brief, and in the same learning situation, do not reach this level of enthusiasm. The data collection method used was an attitude scale and semi-structured interviews which were qualitatively analysed in order to identify factors involved, with the intention of informing and improving the way the authors teach their students, to design, and about design, with the additional aim of improving the students teaching of that activity once they become D&T teachers. Within the full paper results are discussed and tentative conclusions drawn. 相似文献
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