goal of any enterprise is to be more efficient and gain morebenefits. market segmentation in most areas, particularly retail bankingindustry, is a strategic tool for optimum allocation of resources and as aresult achieving this objective. this study with the purpose of retailbanking market segmentation is based on the benefits expected. toaccomplish this goal, in addition to field studies throu...

■ There are not enough “before and after” studies in the literature to be certain of impacts in different circumstances and over time, and particularly in terms of town centres. Better town centre and retail monitoring would deliver benchmarking for assessing impacts and changes. Literature review: policies adopted to support a healthy retail sector and retail led regeneration and the impact of...

I study U.S. gasoline prices following Hurricane Rita to show that short-lived geographical differences in the severity of wholesale gasoline price spikes are associated with long-lasting geographical differences in retail prices. In most U.S. cities, wholesale prices spiked significantly for roughly two weeks following the hurricane. However, in cities where this spike was particularly large, ...

This paper models the price and income elasticity of retail finance in Australia using aggregate quarterly data and an autoregressive distributed lag (ARDL) approach. We particularly focus on the impact of the global financial crisis (GFC) from 2007 onwards on retail finance demand and analyse four submarkets (period analysed in brackets): owneroccupied housing loans (Sep 1985–June 2010), term ...

We designed and deployed a conceptually simple multi-media annotation tool called the Microsoft Research Annotation System. We expected it to be widely useful in education settings with little or no modification. In a series of deployments over three years we encountered a surprising range of specific interface requirements. We ultimately shifted from an application focus to a platform focus, f...

This paper examines the retail skills of people who operated prior to 1900 without a fixed retail premises. The majority of research into retailing has focused on the retail outlet, and the traders who operate outside of it are under researched. It has been generally assumed that these traders, who operated on the margins of society have little skill, given their general low levels of education...

Today, using different technologies for electronicpayment in retail market carries some issues in the mean of security and usability. The use of portable communication devices became particularly attractive candidates when versatility, security and simplicity features of payment technologies are

Firms routinely decide whether to make essential inputs themselves or buy the inputs from independent suppliers. Conventional wisdom suggests that a firm will not buy an input for a price above its in-house cost of production. We show that this is not necessarily the case when a monopolistic input supplier also serves the firm's retail rival. In this case, the decision to buy the input (and thu...

Consumer opinions, experiences, and product recommendations posted on online WOM sites have become a major information source in consumer purchase decisions. However, prior research has largely focused on the influence of a single source of WOM – particularly retailer-hosted WOM. This study investigates the relative impact of multiple WOM information on retail sales. We collected a panel of sal...