996 resultados para consumer credit


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This research established a construct termed brand affinity, comprising the measures of anticipation of usage, social attraction, commitment, loyalty, and trust. In the context of a highly uncertain, intermittently available service, it was found that brand affinity had greater influence over consumers' repurchase intentions than the typical antecedents of overall and attribute level satisfaction.

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This study found, in the trading of bonds from emerging economies, the international market does not differentiate distinctions between international bonds that were issued by government or corporations. While domestic political and economic issues affect the trading of Malaysian bonds, over the longer term, international economic events leave more significant impact.

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Consumers often report dissatisfaction with technology-based services. This thesis, for the first time, examines consumer complaining behaviour with regard to these services, and identifies the factors that influence it. Complaint management strategies are recommended that benefit both organisations and consumers in this evolving service context.

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This research explored the way service organisations deal with employee management issues when implementing eCommerce technologies. The thesis proposes a framework for understanding the technology-mediated context of the customer-employee interaction in service organisations when implementing eCommerce. The framework assists in achieving a balance between achieving efficiencies and maintaining customer loyalty.

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The thesis puts forward historical, logical and efficiency arguments for the implementation of treaty-based legal protections for e-consumers transacting in global Business to Customer (B2C) e-commerce. It concludes, however, that the international political climate is such that the implementation by the international community of such protections is very unlikely in the near future.

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The thesis integrates theory from psychology and marketing, finding that those with an innate desire to seek out information on new products / brands are motivated to do so by aspects of regulatory focus, needs for uniqueness, and their susceptibility to interpersonal influence. In turn, these people consume more media and have higher information exposure.

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The present study evaluated the influence of demographic and predictor variables on ecological conscious consumer behaviors (ECCB) of sport consumers. Seventy-five consumer responses on age, gender, and education level were collected alongside responses to the perceived consumer effectiveness (PCE) and environmental concern (EC) measures. Results indicated age, perceived consumer effectiveness (PCE) and environmental concern (EC) were significant predictors of ecological conscious consumer behaviors (ECCB). Future research suggestions, managerial and research implications were presented.

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Within the growing literature on corporate social responsibility (CSR) in developing countries, almost no attention has been paid to the link between consumer awareness about their rights, adoption of socially responsible (SR) practices by small scale individual entrepreneurs (SIEs) and how these impact on consumer loyalty in a developing country context thus leaving a significant knowledge gap. This paper builds on the work of Azmat and Samaratunge (2009) on SIEs to address this gap in literature in the context of South Asia. South Asia as a region is growing rapidly and is moving to become a new powerhouse of economic development, yet the responsible business practices of SIEs who form a significant proportion of businesses operating in this region remain severely under-researched. We draw upon the existing literature to develop a comprehensive framework which presents a set of propositions specifying the relationship between consumer awareness, socially responsible business practices adopted by SIEs and consumer loyalty. The framework offers insight into understanding consumer loyalty in the context of developing countries.

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Purpose – Responding to calls for a greater understanding of consumer socialization in young people, this paper aims to investigate daughters' perceptions of shopping with their mothers. It seeks to provide insights into the significance of the retail shopping experience for young women.

Design/methodology/approach – This exploratory study is based on 30 online and three face-to-face interviews with young women aged between 20 and 22. The authors asked the young women who they shopped with and why and to recount some of their best and worst shopping experiences. The interviews were coded and analysed to reveal several recurring themes. This paper reports only on data relating to shopping with their mothers.

Findings – The four major themes that emerged from the interviews with the young women were: gaining independence; trust in mother; the bank of mum; quality time with mum.

Research limitations/implications – The sample is limited to young women in a Midwest university in the USA. Attitudes to consumption and shopping and the mother daughter relationship are culturally derived and may differ in other contexts.

Practical implications –
Women are critical to the retail industry and make the bulk of buying decisions for the family. Daughters represent the next generation of this major market force. Marketers and retailers must be cognizant of the power of this relationship.

Originality/value – This paper is the first to report on the daughter-mother shopping experience, with daughters' perceptions of this experience and the outcomes of the consumer socialisation that occur.

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In the shadow of the global financial crisis, the issue of the marketing of credit has become an increasing concern in the past 12 months. Outstanding personal debt in the UK currently stands at £1479 billion and is rising by £1 million every 10.6 min. In Australia, there is currently $44.6 billion worth of outstanding credit card debt, and in the US, $2596 billion was owed on credit cards in 2008. At present, the banking sector utilizes sophisticated research methods to profile consumers, including those who might be considered financially vulnerable. However, the policy frameworks in most industrialized countries do not account for this form of target marketing when considering how to protect vulnerable groups. This paper is an initial attempt to examine the different methods by which profiling is conducted and the policy implications of this sophisticated form of segmentation and targeting. We argue that current consumer policies are inadequate in protecting vulnerable consumers from these marketing techniques, and recent recommendations from the Federal Reserve Bank of the United States, and the Australian Law Reform Commission to allow banks and lenders to ‘pre-screen’ potential customers will exacerbate personal debt levels, rather than reducing them.

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Recommendations to endorse the sustainability of wild fish stock utilisation, supporting the health of marine ecosystems, are clashing with those to increase omega-3 fatty acids (n−3 LC-PUFA) consumption and promoting human health.

The objective of this study was to evaluate the role of salmonid aquaculture as a user or supplier of n−3 LC-PUFA, as a means of understanding the potential of the sector in conserving or depleting wild fisheries. A case-study feeding trial was implemented on rainbow trout up to commercial size, in which fish were fed a fish oil- or a linseed oil-diet. Harvested fish were analysed for fatty acid composition and difference and liking using consumers. The n−3 LC-PUFA input/n−3 LC-PUFA output ratio was computed. Consumers showed no preference, but were able to distinguish between samples. The fatty acids of the fillets were significantly modified by the diets. On the input side, for the production of 100 g of fish fillet, it was necessary to use 8.6 g of n−3 LC-PUFA to produce an output of 1.9 g of n−3 LC-PUFA in the fish oil-fed fish; in contrast it was only necessary to use 270 mg of n−3 LC-PUFA to produce 560 mg of these fatty acids in the linseed oil-fed fish. It was showed that the substitution of fish oil with linseed oil in aquafeed is an easily implemented tool to transform salmonids farming from a consumer into a net producer of health promoting n−3 LC-PUFA and accomplish its role in conserving wild fisheries in the future.

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Brand salience, or the prominence of a brand in memory, has been linked to brand choice and purchase by consumers. The research reported in this paper proposed and tested a model of brand salience for fast-moving consumer goods, which incorporates knowledge, media consumption, and brand image as antecedents. A quasi-experimental method was utilised, where 270 respondents undertook a free recall exercise using category cues, and then completed multiitem measures of brand knowledge, brand associations, and purchase likelihood. Analysis of the data using SEM found support for an empirical model of brand salience where there was a relationship between brand salience and purchase likelihood. The empirical evidence supports building a brand in a primary category, in order to build the depth and breadth of the brand’s associations in consumer memory.