Omnichannelling and the Predominance of Big Retailers in the post-Covid Era

The Covid 19 pandemic has profoundly affected the competitive context of retail companies. Multiple changes have occurred both in consumer behaviour, in retail strategy and marketing channels. In particular, the pandemic has accelerated the use of digital technology in the processes of physical purchase and distribution of retail products, favouring new forms of integration between physical and online channels (so-called omnichannelling). Many brick&mortar stores have closed down, others have modified their original logistic functions in favor of the new digital integrated ones, with a smaller number of point of sales assuming the connotation of flagship stores with greater force. Some cases confirm the acceleration that took place towards the integration and redefinition of the roles of physical and online channels. The biggest retailers empower their predominance in the global markets. Smaller operators could renew their role by shaping new forms of collaboration to survive.

In vivo study of the oestrogenic activity of milk

Introduction Milk has been suggested to be a possible source of oestrogenically active compounds. In order to assess the health risk for milk consumers and ensure the safety of this staple part of the human diet, it is important to study the effect of xenooestrogen mixtures present in milk. This investigation used the available in vivo model to learn to what extent such compounds may be endocrine disruptors. Material and Methods The recommended immature golden hamster uterotrophic bioassay was chosen. A total of 132 animals were divided into nine groups of experimental animals and positive and negative control groups, each of 12 animals. The experimental females received ad libitum either one of five samples of raw cow’s milk from individual animals or one of four samples of pasteurised or ultra-high temperature treated cow’s milk as retail products. After 7 days, the animals were sacrificed and necropsied. Uterine weight increases were measured as the endpoint of oestrogenic activity in milk. Results The milk samples from individual cows and the retail milk samples did not show oestrogenic activity. However, in three groups, decreased uterine weights were observed. Conclusion Considering that milk supplies are beneficial to health, contamination in this food should be avoided. There is a need for further animal experiments and epidemiological studies are warranted to evaluate any causative role of milk in human endocrinological disorders.

The Slow Death of Capital Protection

Capital protected products are a special type of structured retail products that guarantee a minimum amount of payment at maturity. They were the earliest type of structured products and are very popular with risk averse investors, but nevertheless have become rare in the past years. Using a unique dataset of all structured products issued in Switzerland, one of the biggest markets for such products in the world, we investigate why this has been the case, and argue that it is to a large degree an effect of the zero-interest policy of central banks.

Pengaruh Promosi dan Harga terhadap Minat Beli Produk H&M di Jakarta Barat

The objective of this/the research is to examine the effect of promotion and price partially and simultaneously on the interest in purchasing H&M retail products in West Jakarta. The data collection method is conducted using a questionnaire with a sample size of 160 respondents. Data analysis uses validity test, reliability test, classic assumption test, multiple linear regression, t-test, and Anova test. The result of this study indicates that the price and promotion simultaneously influence the purchase intention. The price and promotion variables also have a partial effect on buying intention. These show that the variation of the independent variables used in the model (Promotion and Price) is able to explain the 43.6% of variable purchase intention variation, and the rest of the result is influenced by other factors. Tujuan penelitian untuk menguji pengaruh promosi dan harga secara parsial dan simultan terhadap minat pembelian produk retail H&M di Jakarta Barat. Metode pengumpulan data menggunakann kuesioner dengan jumlah sampel terdiri dari 160 responden. Data analisis dengan menggunakan uji validitas, uji reliabilitas, uji asumsi klasik, regresi linier berganda, uji t, dan uji F. Hasil penelitian ini menunjukkan bahwa variabel harga, dan promosi berpengaruh secara simultan terhadap minat beli. Variabel harga dan promosi juga memiliki pengaruh secara parsial terhadap minat beli. Hal ini menunjukkan bahwa variasi variabel independen yang digunakan dalam model (Promosi dan Harga) mampu menjelaskan sebesar 43,6% variasi variabel Minat beli, dan sisanya dipengaruhi oleh faktor lain.

An Evaluation of Retail Banking Products’ Performance: A Study on Selected Bankers

The study has examined to categorize the retail banking products according to their important performance on scheduled commercial banks operating in Chittagong, Bangladesh. To do this, the authors have collected data from 118 bankers who are working at different level in different banks. Data have been analyzed with the help of SPSS IBM (Statistical Package for Social Science) 21.0 version. Factor analysis as well as multiple regression analysis has been conducted to get the result. Bartlett's Test of Sphericity along with Kaiser-Meyer-Olkin (KMO) statistics has been used to highlight three (03) categories retail products responsible for retail banking products’ performance of scheduled commercial banks. The study has found that these three (03) categories could explain 59.169% of total variability of retail banking products’ performance. Finally, multiple regression analysis has suggested that these three (03) categories of retail products influenced retail banking products’ performance most significantly. Limitations and further research directions are also discussed.

Low-Cost RFID Authentication Protocol Based on Elliptic Curve Algorithm

Radio frequency identification (RFID) is the fastest growing technology in the world today. Thus, wireless communication between tags and readers became an integral part of retail products, library books, personal identifications, and healthcare. The RFID system can provide security features to the data transferred along the network to maintain data privacy, integrity, and confidentiality. Elliptic curve cryptography (ECC) is widely used in RFID authentication protocols to improve communication security. Zhao proposed an RFID authentication protocol using ECC where a unique access list for tags is generated with the reader identifier to elevate the security level. Although Zhao's protocol can withstand most of the RFID security attacks, it has a very high computation cost. The authors improve Zhao protocol and propose a new RFID authentication protocol by reducing the computation cost almost to the half of that in Zhao. The proposed protocol shows a significant improvement in the computation cost.

Factor Analysis of Customer Decisions to Buy Neeyoo Fashion Retail Products in Surabaya

This study analyzed what factors shape consumers’ decisions to purchase Neeyoo fashion store products, so as to prepare corporate strategies to increase the amount of company turnover. This research used the Exploratory Factor Analysis (EFA) method. The 107 participants were consumers of Neeyoo stores. The study used a survey questionnaire with 5% error based on the Exploratory Factor Analysis. 36 initial variables were included and 7 factors were found that shaped consumer purchasing decisions: service and managerial performance, the right product selection, promotion media design and price according to quality, location / business ease, product suitability to consumer needs, in-store presentation, and reference group. Service and managerial performance had the highest variation values at 35.949%. The results showed that improving customer service can increase turnover at Neeyoo stores. Keywords: retail, fashion, factor analysis, purchasing decisions

What is your desire? Retail investor preferences in structured products

PurposeThe authors evaluate the preferences of retail investors with regard to the investment in structured financial products. The purpose of the paper is an analysis of the relative importance of key product attributes namely the issuing bank, the product structure, the associated costs and the disclosed risk.Design/methodology/approachThe authors conduct a choice-based conjoint analysis, based on an online experiment. Participants judge their preferences for products which are presented by shortened key information documents according to the requirements of EU regulation.FindingsInvestors consider the costs and the product structure to be most important, whereas the issuer and information on risk are of less interest. Their preferences depend on their (self-evaluated) expertise: while inexperienced retail investors concentrate on costs, experienced investors pay more attention to the product structure.Research limitations/implicationsThe study is limited to a subsegment of the market, the discount certificates. For these products, issuing banks gain insight into the attractiveness of their products. Furthermore, the study carries implications for regulators: since investors emphasize the costs in their decisions, an unbiased disclosure of costs should be enforced.Originality/valueWhile the recent literature has studied preferences for the investment in mutual funds, this is the first paper which directly analyzes the drivers of an investment in structured retail products.

Analisis Media Promosi Produk Ritel Dalam Meningkatkan Penjualan Pada Toko “Dika” Dusun Krapyak Kulon Kelurahan Panggungharjo Kecamatan Sewon Kabupaten Bantul Daerah Istimewa Yogyakarta

AbstrakDalam perdagangan besar produk yang dijual beraneka ragam, membutuhkan modal yang cukup besar serta relasi yang cukup banyak. Pedagang besar biasa disebut dengan perdagangan secara grosir yang tidak menjual barang dagangannya dalam jumlah kecil tetapi pada jumlah yang besar atau tidak diecer. Ketatnya persaingan pedagang besar dan pedagang kecil, pasar tradisional,pada pasar modern menjadi suatu bumerang yang sangat besar pengaruhnya pada kebudayaan ekonomi. Toko “DIKA” adalah toko kelontong yang menjual produk ritel yang dibutuhkan masyarakat dalam memenuhi kebutuhan sehari-hari. Dalam penelitian ini menggunakan metode komparatif. Penelitian ini dilaksanakan Pada Toko Ritel “Dika” Krapyak Yogyakarta. Waktu Penelitian dilaksanakan pada Bulan Agustus sampai dengan September 2018. Analisis yang digunakan adalah data penjualan selama 5 tahun. Hasil penelitian menunjukan perbandingan pemakaian media promosi selama 5 tahun rata-rata hasil penjualan menggunakan promosi sebesar 24,800,000 lebih besar dibandingkan sebelum menggunakan promosi sebesar 22,483,333. Artinya media promosi dapat meningkatkan hasil penjualan. Media handphone dan Koran merupakan alat promosi yang tepat untu meningkatkan hasil penjualan.Kata Kunci: Analisis, Media Promosi, Toko DikaAbstractIn a large trade, various products are sold, requiring a large enough capital and quite a lot of relationships. Wholesalers are usually called wholesale trading which does not sell their merchandise in small quantities but in large quantities or not at retail. The intense competition between wholesalers and small traders, traditional markets, in modern markets has become a boomerang which has a very large impact on economic culture. The “DIKA” shop is a grocery store that sells retail products that are needed by the community to meet their daily needs. In this study using a comparative method. This research was conducted at the Retail Store "Dika" Krapyak Yogyakarta. Research time was conducted from August to September 2018. The analysis used was sales data for 5 years. The results showed the comparison of the use of promotional media for 5 years, the average sales result using the promotion was 24,800,000 greater than before using the promotion which was 22,483,333. This means that promotional media can increase sales results. Mobile and newspaper media are the right promotional tools to increase sales results.Keywords: Analysis, Promotional Media, Toko Dika