the conventional theory of adverse selection is not supported by most of the empirical works. these studies conclude that low-risk individuals demand more insurance services than high-risks. they refer to this situation as advantageous selection theory. this theory states that loss ratio of insureds may be lower than the population loss ratio while the conventional theory of adverse selection c...

today, the scientific communications are developed and expanded on the internet and the famous world wide web service, and the popularity of the electronic scientific databases (esds) such as sciencedirect, google scholar, and scopus is an evidence of this claim. in addition to providing scientific contents, the esds offer researchers diverse scientific web services such as scientific communica...

extended abstract 1. introduction the widespread use of the internet in urban communities has changed the geographical concentration of services and has led to the emergence of urban electronic services. improving productivity and increasing access are the benefits of creating electronic services. to achieve these benefits, the acceptance of electronic services in the community should be consid...

0

INA N ELECTRONIC ERA, THE EVALUATION OF REFERENCE and related information services should still be based on the same principles used to evaluate traditional face-to-face reference services and printed reference tools. Traditional research methods-which are surveys and questionnaires, observation, individual and focus group interviews, and case studies-can be utilized very effectively in an elec...

Municipal councils worldwide are recognizing the need and value of the Internet to deliver information and services. The move to e-Government in Australia and across the world has been prompted by factors such as government reform and the need to reduce cost, and to improve the efficiency and effectiveness of service delivery. Only recently, however, have there been more significant moves towar...

In recent years, the correct representation of environmental performance has become increasingly important. light this, in academic field, numerous researchers have examined level and quality disclosure. However, context studies relating to determinants disclosure, little attention been paid role innovation. This study, voluntary disclosure theory, aims fill this important gap through analysis ...