Search results

Banking traces back to 2000 BC in Assyria, India and Sumeria. Merchants used to give grain loans to farmers and traders to carry goods between cities. In ancient Greece and Roman Empire, lenders in temples, provided loans, and accepted deposits while performed change of money. The archaeological evidence uncovered in India and China corroborates this. The major development in banking came predominantly in the mediaeval, Renaissance Italy, with the major cities Florence, Venice and Genoa being the financial centres. Technology has become an inherent and integral part of our lives. We are generating a huge amount of data in transfer, storage and usage, with greater demands of ubiquitous accessibility, inducing an enormous impact on industry and society. With the emergence of smarter cities and societies, the security challenges pertinent to data become greater, impending impact on the consumer protection and security. The aim of this chapter is to highlight if SSI and passwordless authentication using FIDO-2 protocol assuage security concerns such as authentication and authorisation while preserving the individual's privacy.

Gender constitutes one of the fundamental distinctions that organize social interaction. It is a salient social distinction in all societies, is a core personal identity for social actors, and is often used to generate expectations for competence in task-focused mixed-sex groups. In this chapter, we explore the effect of androgynous (gender ambiguous) appearance on task performance of observers. We demonstrate that it takes longer for research participants to define the gender identity of such individuals. More importantly, we hypothesize that since androgynous individuals do not fit easily into gender schemas that people use to access information about interaction partners, the presence of an androgynous-looking person will slow performance on a cognitive task. An experimental study supports both hypotheses. We conclude with suggestions about how the presence of non-stereotypical interaction partners with ambiguous identities might influence group members’ task performance, cognitive inferences about and affective responses to other group members.

Inner city centers not only provide opportunities for shopping, dining, and entertainment, but with their lively atmosphere and other vital attributes, also create attractive destinations for residents and tourists alike. However, inner city retailing, potentially the most important reason to visit an inner city, is facing serious competition from e-commerce and out-of-town shopping malls. Dying inner city centers have become a severe issue in recent years, worldwide. To counteract this devastating trend and ensure the vitality and viability of inner city centers, stakeholders from the public and private sectors regularly join their forces in initiatives to strengthen urban structures. However, academic insights into the contribution of retailing on perceived city attractiveness remain sparse. Relying on an extensive data set that combines survey and observational data, the authors are able to quantify a variety of inner city characteristics, ranging from its store and service provider portfolio to its ambience and accessibility, and measure their association with its perceived attractiveness. They show that a city's portfolio of retail stores is not only related to people's perceptions of the city's overall attractiveness but also perceptions of its ambience. However, not all retail categories contribute the same way; while the presence of clothing stores or booksellers is strongly associated with cities' ambience as well as attractiveness, other retail categories such as optometrists or electronics stores are negatively associated with consumers' inner city perceptions. Importantly, these relationships also depend on the size of the focal city. Based on their results, the authors provide important managerial and societal implications on how to leverage the local retailing environment to improve inner city attractiveness. For example, the results may inform (local) governments on which sectors to subsidize in order to attract those store and service provider categories that benefit inner city attractiveness.

There has been a long-standing concern and controversy in the consumer behavior and related literature about the accuracy of consumers’ self-reports of their mental processes. While some researchers have found such reports to be susceptible to a number of inaccuracies, others have found them to be reasonably accurate. This study contributes to the debate by comparing consumers’ self-reports of their information acquisition processes in decision making with process-tracing measures of the same processes, and doing so within the context of research design recommendations suggested by Ericsson and Simon (1980, 1984, 1993) for collecting valid retrospective self-reports. Data for the study were collected in a decision-making experiment in which a custom-made computer software was used to administer two decision tasks and to unobtrusively measure subjects’ information acquisition patterns (process-tracing measures). Self-report measures were collected by means of a questionnaire administered after subjects completed both tasks. Descriptive discriminant analysis (with self-report measures as dependent and scores on process-tracing measures as independent variables) shows that subjects were able to accurately report their information acquisition patterns. For both decision tasks, the majority of subjects who were classified by the discriminant functions as using a particular information acquisition strategy actually reported using such a strategy. Implications of the findings are outlined and discussed.

Information behaviour has evolved to focus on the dynamic human information interactions (HII) between systems and users, to develop models that encompass user behaviour, cognition and affect, and to understand the ways in which context and tasks motivate information needs and shape information seeking and use. In recent years, user experience (UX) has gained prominence in human–computer interaction (HCI) and may provide further enrichment and new directions in the design and development of HII theories, methodologies, systems and services. This chapter seeks to provide an overview of UX, and to explore the intersection between HII and UX, specifically with respect to the shared emphasis on context, needs and sense making. The overarching aim is to provide new directions for information behaviour by proposing that we view HII through a UX lens as we strive to holistically conceptualize, evaluate and design for human information experiences. Taking a UX approach allows us to imagine information interactions as rich and varied narratives, and to explore information seeking and use as processes within, as well as outcomes and predictors of human experiences.

Lake tourism is a growing academic sub-field of tourism studies with an emerging body of literature. However, little research attention has been given to lake-destinations’ projected or perceived tourism images. Specifically, there has been a scarcity of literature investigating the variables involved in the formation of a lake-destination image. Therefore, this study aims to explore the main attributes that might potentially influence this type of destination, and simultaneously, contribute to conceptualizing and defining lake tourism as recent research area. An explorative study was then conducted in order to generate a set of image variables through the use of textual and photographic data. The results will contribute to characterize potential lake-destinations and to develop a final list of variables specifically related to this type of destination.

Independent travelers are those vacationers who have booked only a minimum of their transportation and accommodation arrangements prior to departure on the vacation. Independent travel is an important and growing sector of worldwide tourism. Choice of vacation itinerary for the independent vacation represents a complex series of decisions regarding purchase of multiple leisure and tourism services. This chapter builds and tests a model of independent traveler decision-making for choice of vacation itinerary. The research undertaken employs a two-phase, inductive–deductive case study design. In the deductive phase, the researcher interviewed 20 travel parties vacationing in New Zealand for the first time. The researcher interviewed respondents at both the beginning and the end of their New Zealand vacations. The study compares pre-vacation research and plans, and actual vacation behaviors, on a case-by-case basis. The study examines case study narratives and quantitative measures of crucial variables. The study tests two competing models of independent traveler decision-making, using a pattern-matching procedure. This embedded research design results in high multi-source, multi-method validity for the supported model. The model of the Independent Vacation as Evolving Itinerary suggests that much of the vacation itinerary experienced in independent travel is indeed unplanned, and that a desire to experience the unplanned is a key hedonic motive for independent travel. Rather than following a fixed itinerary, the itinerary of an independent vacation evolves as the vacation proceeds. The independent traveler takes advantage of serendipitous opportunities to experience a number of locations, attractions and activities that they had neither actively researched nor planned.