Many have speculated that trust plays a critical role in stimulating consumer purchases over the Internet. nature of the Internet raises questions about the robustness of trust effects across cultures. Culture may also affect the antecedents of consumer trust; that is, consumers in different cultures might have differing expectations of what makes a web merchant trustworthy. Here we report on a...

This thesis examines a support vector machine approach for determining consumer credit. The support vector machine using a radial basis function (RBF) kernel is compared to a previous implementation of a decision tree machine learning model. The dataset used for evaluation was provided by a large bank and includes relevant consumer-level data, including transactions and credit-bureau data. The ...

Customer relationships have been commonly recognized as a critical factor for enterprises to succeed their business. Effective customer relationships could help enterprises deliver services to customers based on their needs, preferences, or past transactions. This model however emphasizes on the use of customer information for benefiting enterprises; customers in contrast receive less informati...

This research analyzes consumer privacy issues pertaining to the newly developing wireless marketing context, specifically, wireless advertising messaging (WAM). We develop a conceptual framework named as DIGs to assess the efficacy of industry self-regulation, government legislation, and technological solutions in ensuring consumer privacy in WAM. In addition to enhancing our theoretical under...

93 Multimedia technologies (such as Flash and QuickTime) have been widely used in online product presentation and promotion to portray products in a dynamic way. The continuous visual stimuli and associated sound effects provide vivid and interesting product presentations; hence, they engage online customers in examining products. Meanwhile, recent research has indicated that online shoppers wa...

This paper considers the possibilities and implications of using ubiquitous computing to augment retail stores with information on critical consumer-driven issues, such as health and food safety, environmental and ethical concerns. The main hypothesis is that the availability of such socially conscious consumer information at point-of-purchase is expected to modulate consumer product choice cri...

We cite examples from our own research indicating that those populations requiring decisional support to change specific aspects of their behavior may actually be the least able to benefit from that decisional support. Implications for designers are discussed.

Unanticipated software adaptations are becoming increasingly important in the domain of computer networks. Due to the performance and availability requirements of computer networks, these adaptations need to be enforced at runtime (by means of hot-swapping). However for dynamic changes to yield valid systems, a safe state for reconfiguration of the involved software modules must be enforced. Th...

We describe a Web application that supports collaborative development of a consumer health vocabulary. It performs text analyses and enables distributed human review. It also provides on-the-fly summary reports and facilitates the generation of a final vocabulary based on the results of the review.