background: existence or non-existence of adverse selection in insurance market is one of the important cases that have always been considered by insurers. adverse selection is one of the consequences of asymmetric information. theory of adverse selection states that high-risk individuals demand the insurance service more than low risk individuals do. methods: the presence of adverse selection ...

The present research study intended to investigate the impact of the Role of Purchase Rewards to Companies’ Customers, as a Purchase Intention Mediator, on the Profitability of SMEs in Sanandaj City in 2014. Three different types of variables, including Independent, Dependent and Intervening variables, are specified in this study; Purchase Rewards to Customers is the Independent Variable, Profi...

We propose a new topic model for tracking timevarying consumer purchase behavior, in which consumer interests and item trends change over time. The proposed model can adaptively track changes in interests and trends based on current purchase logs and previously estimated interests and trends. The online nature of the proposed method means we do not need to store past data for current inferences...

Market basket analysis (MBA) is a powerful and common practice in modern retailing that has some limitations stemming from the fact that it infers purchase sequence from joint-purchasing data. However, internet retailers automatically collect purchase-sequence data from their shoppers, and new technology is available for traditional (bricks and mortar) retailers to do the same, making it possib...

CONTEXT Some states prohibit the purchase of handguns by persons convicted of selected misdemeanor crimes, but most do not. California has denied handgun purchases by violent misdemeanants since 1991; the effectiveness of these policies is unknown. OBJECTIVE To determine the risk factors for new criminal activity among violent misdemeanants who seek to purchase handguns and whether denial of ...

Online review systems have been widely used by online consumers to facilitate purchase decisions. Existing research has demonstrated the impact of online reviews on e-commerce outcomes such as business profitability and purchase intentions. Little attention, however, has been paid to the relationship between online reviews and a consumer’s internal beliefs of an online retailer in the pre-purch...

We propose a new topic model for tracking timevarying consumer purchase behavior, in which consumer interests and item trends change over time. The proposed model can adaptively track changes in interests and trends based on current purchase logs and previously estimated interests and trends. The online nature of the proposed method means we do not need to store past data for current inferences...

In an intertemporal setting in which individual uncertainty is resolved over time, advancepurchase discounts can serve to price discriminate between consumers with different expected valuations for the product. Consumers with a high expected valuation purchase the product before learning their actual valuation at the offered advance-purchase discount; consumers with a low expected valuation wil...