Modeling the key factors influencing the adoption of mobile financial services: an interpretive structural modeling approach

Mobile financial services are widely appreciated worldwide, but a considerable fragment of the population is resisting the technology. Therefore, the purpose of this paper is to identify and analyze the contextual relationships among a set of measures that influence the adoption of mobile financial services (MFSs). The paper employed the interpretive structural modeling technique to formulate a multilevel structural model with experts' knowledge and experience. Using MICMAC analysis, the factors were classified into four clusters: autonomous, linkage, dependent, and driving based on their dependence and driving power. The outcome shows that facilitating conditions is the most crucial factor in influencing the MFS adoption and demands special attention by authorities for better implementation of the technology. The findings will help the bank managers and telecom companies to direct their resources in significant areas.

     

最炫历史复古风潮 2012/2013秋冬米兰时装周风格鉴赏

2012/2013 秋冬米兰时装周依然是对与纽约、伦敦的主流趋势的一个确认,军装风格、60 年代影响以及带有历史复古感的情绪贯穿了 T 台的潮流主线。总体基调更为沉静内敛,简洁大气,也更趋优雅。     

Information Transfers across Same–Sector Funds When Closed–End Funds Issue Equity

This study examines the reaction of non–issuing, same–sector funds when a closed–end fund announces a seasoned equity offering. The non–issuing, same–sector funds have a significant, negative announcement–day abnormal return. The abnormal returns for U.S. debt funds are less negative than U.S. equity and international debt funds. The abnormal returns for international debt funds are more negative than international equity funds. Announcement–day abnormal returns are directly related to the announcement–day abnormal return of the issuing fund and the premium/discount of the issuing fund. Announcement–day abnormal returns are inversely related to the premium/discount of the non–issuing, same–sector funds.     

An Analysis of Closed-end Fund Seasoned Equity Offerings

We examine the stock price reaction to seasoned equity offerings (SEOs) of closed‐end funds and the determinants of the issuance decision. We find that sample funds have negative and significant average announcement‐day returns that are less than the returns associated with industrial firm SEOs, most likely because funds have fewer information asymmetries. Issuing funds have higher pre‐issue returns, higher premiums, lower betas, and lower three‐year, post‐issue returns than nonissuing funds. The results of the study are consistent with the argument that fund managers time issues to take advantage of mean reversion in fund returns.     

Sons,daughters, wives,and the labour market outcomes of West German men

We find a strong association between family status and labor market outcomes for recent cohorts of West German men in the German Socio-Economic Panel. Living with a partner and living with a child both have substantial positive effects on earnings and work hours. These effects persist in individual fixed effects models that control for correlation in time-invariant unobservables that affect both family and work outcomes, though the inclusion of length of marriage reduces the effects of children. Child gender also matters — a first son increases fathers' work hours by 100 hours per year more than a first daughter, and positive effects of sons on work hours and earnings are particularly strong for men with higher levels of education. There is evidence of son “preference” in the probability that a German man is observed to be coresiding with a son — men are more likely to remain in the same household with a male child than a female child.     

Canadian contributions to family economics

Canadian scholars have made substantial contributions to the relatively new field of family economics. These include new models of how men and women match in marriage markets, and of how decisions are made in multi‐person households. Several were early contributors to the literature on married women's labour supply and labour supply in a family context, and helped to develop empirical methods in this area. A particular focus has been on the impacts of policy‐relevant parameters, such childcare costs, on family labour supply and child well‐being. New work on child development, the impact of early life conditions, and the processes of intergenerational transmission also highlight the importance of family context in determining economic well‐being.     

Factors influencing the use of the hospital emergency room among black Americans

Sociodemographic correlates of the use of emergency rooms for nonemergency health conditions were examined among black adults, using data from the National Medical Care Utilization and Expenditure Survey. Multivariate analysis revealed that marital status, the emergency room as a usual source of care, and health condition were determinants of choosing the emergency room as a source of medical care. The use of multivariate analysis extends previous work in this area. Implications for future research on determinants of emergency room use are discussed.