The Adoption and Use of Smart Card Technology in Banking

Author(s):  
Zouhaïer M’Chirgui ◽  
Olivier Chanel

The electronic purse is one of the latest smart card applications. It handles small payments and is complementary to other payment cards. However, there have been considerable obstacles to its widespread adoption and use by customers and retailers. This chapter explores and models the factors - economic, technological and social - and forces driving the adoption and use of the Moneo electronic purse in the South of France. An empirical study on 200 individuals allows us to analyse the determinants of the probability of adoption for consumers and retailers (Logit models) and of the frequency of use for consumers (Poisson model). The latter is found to be significantly explained by four factors (relative advantage, cost, visibility and security), income and gender with the expected sign. Finally, the reasons why Moneo’s introduction seems to have met with failure are determined, and potential solutions to help reach the required critical mass by redirecting marketing strategies are proposed.

2021 ◽  
Vol 14 (1) ◽  
Author(s):  
Lucila Rozas ◽  
Peter Busse ◽  
Joaquin Barnoya ◽  
Alejandra Garrón

Abstract Objectives Data on gender representation in food and beverage advertisements may allow for a better understanding of how the food industry is targeting different audiences based on gender. Nonetheless, scant research on food and beverage print advertising with a gender approach has been conducted. Therefore, we sought to assess the prevalence of gender focus in print advertisements found inside corner stores in two cities: Guatemala City, Guatemala, and Lima, Peru. Data description We developed two complementary datasets as part of the study: (1) a dataset of digital photographs of 200 food and beverage print advertisements found in corner stores located near schools (100 ads per country selected according to criteria such as product type, image quality, and uniqueness); (2) a quantitative dataset with data of the content analysis of these photographs. We employed 19 variables to record the general information and gender assessment of the ads. These datasets should allow scholars and public officials to identify gender-specific marketing strategies of the food industry that might impact children’s and adolescents’ nutrition differently.


2017 ◽  
Vol 9 (1) ◽  
pp. 79 ◽  
Author(s):  
Sami Hamdi

Number and gender are two of the core grammatical categories in Arabic. The assignment of number and gender to foreign words is an area of conflict between MSA and other Arabic varieties. This paper investigates the factors that stand behind the seemingly irregularity of number and gender assignment in Arabic. It appears that speakers follow a form standardized by MSA or enforce another form following their dialects and community conventions. This variation in number and gender assignment to loans gives rise to multiple competing forms that may not be recognized by MSA or some other varieties of Arabic. Yet, the findings demonstrate consistency in assigning number and gender to loans by applying native patterns motivated by frequency of use andthe semantics of the referents.


2020 ◽  
Vol 10 (3) ◽  
pp. 62-89
Author(s):  
Hadeel Bahjat Al-Haddad ◽  
Mohammad Hasan Galib

This study investigates the factors that affect consumers' intentions to adopt mobile marketing and compare these factors between the USA and Jordan in the light of Hofstede's cultural dimensions. The collected data (n=250) were subject to statistical analysis including exploratory factor analysis, multiple regression, and Mann Whitney U test. The results showed that trust, observability and subjective norm, and relative advantage are the main factors affecting consumers' intentions to adopt mobile marketing, and trust had the strongest effect among the factors. Complexity had a positive significant effect only on Americans' intentions to adopt mobile marketing. The intention to adopt mobile marketing was higher in Jordan than that of the USA. The findings of this study provided several theoretical and practical implications and shed light on some factors that marketers may consider in developing their mobile marketing strategies. The study revealed that culture plays a significant role in peoples' technology adoption intentions.


2021 ◽  
Author(s):  
Luciana Castronuovo ◽  
Leila Guarnieri ◽  
Victoria Tiscornia ◽  
Lorena Allemandi

Abstract Background Pervasive marketing of unhealthy foods is one of the main drivers behind the global epidemic of childhood and adolescent overweight and obesity. Sex and gender differences come into play in the design of and responses to these marketing strategies, contributing to the perpetuation of stereotyped behavior and generating disparities in food choices and health among boys and girls. The purpose of this paper is to review the current the literature regarding gender differences in food marketing design and perception among children and adolescents to facilitate evidence-based policy dialogues to address gender-based health disparities in NCD prevention.Methods Scoping review of articles published in scientific journals in English and Spanish from 2003 on that addressed the influence of food marketing on eating behaviors among children and adolescents including a gender perspective. The methodological quality of each article was assessed following criteria specific to each study design.Results A total of 40 articles (42 studies) were included in the review. 19 were experimental and 23 had descriptive, cross-sectional designs. 22 studies were found to have low methodological quality, while 11 and 9 were of medium and high quality, respectively. 24 studies found gender-based differences with regards to the effect of food marketing on food intake, food choice and preferences, responses to specific marketing strategies and techniques, perceptions and attitudes towards food marketing and the need for its regulation, and advertising content and exposure. Conclusions The evidence suggests that food marketing has a similar impact on the consumption of unhealthy foods on both boys and girls, but boys were found to be exposed to food advertising more intensively and their preferences to be more affected by this exposure, in line with a mostly male-dominant advertising content. Limitations of these studies include taking gender as an unproblematic construct equivalent to biological sex and the lack of studies focused on developing countries. As gender is a cross-sectional dimension that interacts with other factors driving health disparities, an integrated gender perspective is needed in order to develop effective, evidence-based policies to control food marketing and tackle the childhood overweight pandemic.


2021 ◽  
Author(s):  
Jeremy Houston ◽  
Marty Fink

This paper showcases how inherent racism and gender conformity are enforced by the RuPaul’s Drag Race franchise via promotional material, episode content, types of queens featured and judges’ commentary between the first and ninth season of the television series. The research aims to understand how the shift from a once LGBTQ+ specific market to a mainstream audience has further perpetuated the idealized forms of beauty and femininity. The content analysis of the first and ninth season showcases how RPDR is seeking to fit a pre-constructed stereotype created by the ‘imagined’ heteronormative/cisgender audience since becoming mainstream. Viewers are comfortable with consuming content that exists in their current environment or in which they can relate to, which makes it difficult to celebrate queens that deviate from heteronormativity at the franchise level. With the shift from Logo TV to VH1, LGBTQ+ focused companies are losing opportunities for sponsorship and marketing directly to their intended niche audience. Overall, the television series is supposed to be put in place to celebrate LGBTQ+ culture and to be a progressive step in which minorities are being showcased in mainstream media, but they are not being conveyed in an accurate or justified manner. Queens such as Shea Couleé, Peppermint and Valentina are essentially robbed of their chance to win RPDR due to their race, and in Peppermint’s case specifically, her transness.


2012 ◽  
Vol 11 (4) ◽  
pp. 437 ◽  
Author(s):  
Seethaletchumy Thambiah ◽  
Shanti Ramanathan ◽  
Mohammad Nurul Huda Mazumder

This study aims to examine the factors affecting the adoption of Islamic retail banking (IRB) products and services among the banking customers of Malaysia. The market share of Islamic retail banking remains low despite being in operation for the past 28 years. Therefore, an empirical analysis was conducted to study the usage of Islamic retail banking products and services between the urban and rural banking customers of Malaysia. Comparisons were also made on the usage of Islamic deposits and financing schemes between the Muslim and non-Muslim customers. The findings of the study revealed, relative advantage, promotional efforts, complexity, compatibility and awareness on attributes of Islamic retail banking as the significant determinants of the usage of Islamic retail banking products and services. Thus, the findings of this study serves as a valuable guideline to the banking sector and policy makers to devise appropriate marketing strategies to promote Islamic retail banking products and services aggressively among the banking customers of Malaysia.


2011 ◽  
Vol 7 (3) ◽  
pp. 1-15 ◽  
Author(s):  
Jamie Murphy ◽  
Richard Lee ◽  
Evan Swinger

This study investigated student adoption of university campus card (UCC) applications. A review of smart card, technology adoption and Unified Theory of Acceptance and Use of Technology (UTAUT) literature led to three focus groups and a survey of student perceptions and attitudes towards the university’s campus card. Perceptions of 17 UCC components differed significantly across four student variables – international versus domestic, willingness to load funds, gender, and university level – supporting and extending UTAUT. Willingness to load funds on their UCC differed significantly across 16 out of 17 components, followed by domestic versus overseas students differing on 14 components, university level differing on 13 components and gender on 10. Overall, students reported that extra UCC features would enhance the university’s image, improve their student experience, and encourage them to use UCCs. The results and managerial implications can help universities select and prioritise UCC functions for campus adoption and implementation.


2021 ◽  
Author(s):  
Lynn Scholl ◽  
Daniel Oviedo ◽  
Orlando Sabogal-Cardona

This paper sheds light on the personal security dimension of ride-hailing from a gender perspective. We explore how features of Transportation Network Companies (TNCs) services affect riders perceptions of security when commuting in ride-hailing services, and how general perceptions of fear of crime shape the way people value such features. Moreover, we analyze the strategies women and men are using to enhance their own security in ride-hailing and factors influencing these strategies. We conducted a survey of users of the TNC DiDi in Mexico City. The statistical methods used are structural equation models SEM and ordered logit models OLOGIT. Results show that women are more likely to value the information made available by ride-hailing applications (e.g., knowing your location or knowing driver information) and the presence of a panic button. The value given to information also increases if a person feels insecure in the streets, in a public transit station or in public transit. People who perceive higher insecurity in the streets have increased positive perceptions of the possibility of travelling without transfers. We also find that women are 64.4% less likely to share ride-hailing trips (pooling) and 2.14 times more likely to share details of their trips through their cellphones.


2020 ◽  
Vol 8 (10) ◽  
pp. 102-112
Author(s):  
Mohammed Usman

Inbound marketing induces a customer to buy a product online by search engine optimization or various digital marketing strategies. Pull marketing is a proven way of attracting customers towards brands and engaging them for buying. Perceptions make an individual to either make a good image or bad image of the product. Buying products is a click away. Digital marketing is making reforms in India which are already doing well in foreign countries. India is witnessing a growth of internet usage due to digital marketing reforms, companies are using online marketing strategies to get them attracted towards their businesses. The online advertisement makes an individual to make the perception of the product and then respond in the form of clicking, liking sharing the social media content and then buying the product. The study will consider the demographic factors age group and gender as two variables for studying the perception of consumers towards social media. The study will help to determine customer engagement as a response to positive percetion of the ads on Facebook and Google search engine results.The engagement of customer is considered to be determined by three factors as browsing,sharing and buying products after getting influenced by ads on facebook and google serach engine results.


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