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121.
This paper combines existing and novel approaches to the development of financial products (here specifically insurance). Conjoint measurement identifies the key features of new insurance offerings through a procedure that does not require the customer to articulate needs, but rather simply respond to stimuli. Beyond conjoint measurement, however, lies segmentation, which when applied to the data set reveals the existence of new, and perhaps hitherto unexpected segments in the population. Conjoint measurement therefore further identifies the specific messages appealing to each segment. A ‘self-authoring’ (do-it-yourself) approach developed by the authors enables the developer to run several iterations of conjoint measurement rapidly, cost-effectively and with low risk. Rapid, safe, easy iterations increase the power of the approach because it is through these rapid iterations that additional learning and fine-tuning occur, and by means of which a better product emerges. 相似文献
122.
123.
The origins of British-based trading companies are to be found in the international mercantile networks which linked together Britain's commercial centres with the rest of the world during the nineteenth century. One such network, drawing together participants with operations in Singapore and Sarawak, was formalized under the title of The Borneo Company Limited (BCL) between 1851 and 1856. To function effectively, these inter-personal networks of merchants required a high degree of trustworthiness among the participants in order to overcome principal/agent problems, since direct supervision from the headquarters in London was not feasible. However, in order to expand, it was necessary to widen the circle of network participants and to incorporate new types of competence. This contribution analyses the early history of BCL with a view to understanding the way in which the process of growth was managed, distinguishing between three different types of expansion: engaging in production as well as trade; extending the geographical scope of the organization; and diversifying into new markets. 相似文献
124.
This article systematically examines the recent efforts made by industry and academia in promoting E-innovation. It finds that industrial initiatives have been hindered by two limitations. One is a lack of an agreeable framework to accommodate the diversity of different usages. The other is a trend toward standardization in E-business applications. The academic efforts have been hindered by the lack of a mechanism to marry the distributed nature of E-innovation with the legacy of a traditional innovation. To overcome the barriers from both supply and demand sides, industrial efforts need to be more focused on figuring out how E-innovation emerges out of interconnectivity, while academic efforts should be more inclusive, so as to incorporate distributed innovation into enterprises’ shifting business operations. It is expected that this exploratory research will attract more systematic studies in establishing theories and developing techniques related to E-innovation. 相似文献
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126.
This article identifies key features of the strategy concept as a basis for reviewing existing theories of strategy. It also provides an agenda for future research. the article argues that there is a decision hierarchy in a firm, and defines strategy as the highest-level decision in the hierarchy. Consequently, strategy has to exhibit what may be called three features of dominance: vertical dominance, horizontal dominance, and dynamic dominance. A vertically dominant strategy is one that determines, directly or indirectly, other decisions of a firm. A horizontally dominant strategy seeks to optimize the value of the firm according to some criteria. Dynamic dominance implies that strategy should affect the subsequent decisions of a firm over a relevant period of time. With few exceptions, existing theories of strategy are issue-oriented and focus largely on horizontal dominance. More research should, therefore, be directed towards vertical and dynamic dominance criteria. If a comprehensive theory of strategy which satisfies the three dominance features cannot be developed, it is suggested that development should be directed towards integrating behavioural and economic approaches. 相似文献
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128.
This study empirically investigates the value shareholders place on excess cash holdings and how shareholders’ valuation of cash holdings is associated with financial constraints, firm growth, cash‐flow uncertainty and product market competition for Australian firms from 1990 to 2007. Our results indicate that the marginal value of cash holdings to shareholders declines with larger cash holdings and higher leverage. However, firms that are more financially constrained, that have higher growth rates and that face greater uncertainty exhibit a higher marginal value of cash holdings. These findings are consistent with the explanation that excess cash holdings are not necessarily detrimental to firm value. Firms with costly external financing and that also save more cash for current operating and future investing needs find that the market values these cash hoarding policies favourably. Finally, there is limited evidence of an association between various corporate governance measures and the value of cash holdings for a shorter sample period. 相似文献
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130.
Howard E. A. Tinsley Diane J. Tinsley Chelsey E. Croskeys 《Leisure Sciences: An Interdisciplinary Journal》2013,35(2):199-218
Structured interviews were conducted with African-American, Hispanic-American, Asian-American and Caucasian-American park users (N = 463) during one of their visits to a large urban park. The participants varied from 55 to 93 years of age. Most (77%) of the interviews were conducted by interviewers of the same ethnicity as the interviewee, and interviews were conducted in Spanish or Chinese when that was the preferred language of the interviewee. A stratified quota sampling plan was established to ensure that interviews were conducted in all areas of the park, at all times of the day and on both weekdays and weekends. Preliminary analyses indicated that neither gender nor age differences accounted for a meaningful percent of the variance in the dependent variables. Consequently, chi-square analyses and analyses of variance were performed with ethnicity as the independent variable. Significant differences were found among the ethnic groups in their use of park facilities, the social milieu within which they visit the park, and their ratings of the psychosocial benefits of park use. 相似文献