This study aims to understand how utilitarian features of a mobile application moderate purchase motivations and intentions among users non-users. Taking case cinema ticket in the Iranian context, this has collected empirical data through questionnaire from 240 respondents. Multiple regression analysis was used analyze data. Motivational variables were grouped into four groups: functional motiv...

interest free banking law at 1363 was implemented in the banking system in iran. one of the main goals of this law was eliminating usury from monetary system, and utilization from non-usury credit impact on economic growth through preferring money contribution in the capital. this paper uses data from years 1363 to 1386 and implementing herfindahl-hirschman index, evaluated and ranked concentra...

Concerning the information asymmetry, subjectivity and other problems in the prediction of port customer credit risk level, a port customer credit risk evaluation system was designed, which provided the quantification base for port customer credit risk prediction. External-internal information fusion model was proposed for port customer credit risk prediction. Customers’ internal history inform...

This paper examines the e↵ects of intra-financial lending – claims between financial institutions – on aggregate investment and credit to the non-financial sector in the United States. Building on Montecino, Epstein, and Levina (2014) we document a large growth in intra-financial assets beginning in the early 1980s. Using a vector autoregression model, we find that intra-financial lending is ne...

A major deficiency in state-of-the-art automatic speech recognition (ASR) systems is the lack of robustness in additive and convolutional noise. The model of auditory perception (PEMO), developed by Dau et al. (1996a) for psychoacoustical purposes, partly overcomes these difficulties when used as a front end for automatic speech recognition. To further improve the performance of this auditory-b...