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Article
Publication date: 17 July 2017

Saeed Al-muharrami and Y. Sree Rama Murthy

Average bank net interest margins vary widely across Gulf Cooperation Council (GCC) countries, net interest margins of Omani banks are significantly higher. The resultant…

Abstract

Purpose

Average bank net interest margins vary widely across Gulf Cooperation Council (GCC) countries, net interest margins of Omani banks are significantly higher. The resultant low level of financial intermediation implies reduced investment and economic growth. Understanding the reason for these high and persistent spreads is important to develop a policy for improving effectiveness of the banking system. The paper aims to discuss these issues.

Design/methodology/approach

Net interest margins of Arab GCC banks during the period 1999-2012 are examined using the balanced panel regression model with bank specific, financial/market structure specific and macroeconomic factors as determinants. The method used for estimation used is the estimated generalized least squares (EGLS) method with both fixed effects and random effects.

Findings

Bank-specific variables, which explain net interest margins in GCC, are bank capitalization ratios, loan ratios and overhead expenses. Spread of banking sector (as measured by ratio of total bank credit to GDP) is positive and highly significant, implying that along with the expansion of the banking sector in GCC economies, interest margins of banks also improved. Omani banks were able to increase interest margins by aggressively marketing high yield personal and credit card loans, and, zero interest paying deposit products. The study also finds a negative relationship between concentration and net interest margin, and attempts to explain this finding which is at variance with other country studies using the price leadership model of oligopoly.

Research limitations/implications

The standard, accepted econometric model of net interest margins which has been used in earlier studies is unable to explain the high net interest margins of banks in Oman although it is able to explain interest margins in other GCC countries. There is a need to develop non econometric models. More work is needed on the implications of NIM spreads for how they affect an economy.

Practical implications

The study shows that as the banking sector spreads in the economy, individual banks have more opportunities to market their products while at the same time maintaining interest margins. Bank managements should note this point and look for opportunities to expand.

Originality/value

There is no evidence of any empirical studies which focused on net interest margins in the GCC countries. This study attempts to fill in this gap with a view to nudge policy makers to look at the issue of high interest margins and its detrimental impact on economic growth and development in the Gulf region. The paper is useful for policy makers to understand and rectify the problem of excessive interest spreads which is hurting the financial intermediation process.

Details

International Journal of Emerging Markets, vol. 12 no. 3
Type: Research Article
ISSN: 1746-8809

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Article
Publication date: 19 November 2021

Kun-Hung Cheng

This study proposed a research model for verifying the structural relationships among users' perceived spatial presence (VR affordance), situational interest (affective…

Abstract

Purpose

This study proposed a research model for verifying the structural relationships among users' perceived spatial presence (VR affordance), situational interest (affective factor) and behavioral attitudes (outcome) toward online virtual museum navigation. What role of situational interest plays in the relationships between spatial presence and outcomes was further examined.

Design/methodology/approach

There were 141 adults invited to participate in the research trials on the navigation of the online virtual museum which was established by 3D space capture techniques. This study conducted a series of PLS-SEM to analyze the participants' quantitative responses to the surveys of spatial presence, situational interest and attitudes.

Findings

The testing of reliability and validity for the measurement model of this study was satisfied. The significance of users' perceived situational interest: attention demand, instant enjoyment and exploration intention when navigating the online virtual museum with perceptions of spatial presence were identified. The mediation of situational interest in the relationships between spatial presence and behavioral attitudes were also verified.

Practical implications

For the practical design of desktop-based online virtual museums, it is suggested that more engaging strategies such as narrative storytelling and gamified interaction could be integrated to enhance users' situational interest including attention demand, instant enjoyment and exploration intention.

Originality/value

Through the examination of situational interest from multiple constructs, the research model of this study advanced the conceptual framework for understanding the consequences of VR affordance in online virtual museum navigation. The theoretical contribution to verifying the mediated role of situational interest was made.

Details

Library Hi Tech, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 0737-8831

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Article
Publication date: 18 March 2011

Asmita Patel, Rachel Calam and Angela Latham

The research sought to assess perceived barriers to enrolment in parenting programmes by different ethnic groups in a deprived inner‐city community. In study one, parents…

Abstract

The research sought to assess perceived barriers to enrolment in parenting programmes by different ethnic groups in a deprived inner‐city community. In study one, parents of children attending pre‐school services targeted with outreach strategies were assessed using a Barriers Checklist to identify factors influencing uptake. In study two, a larger sample completed the checklist and SDQ (Strengths and Difficulties Questionnaire) to test associations between intention and parent‐rated behavioural difficulties. Study one found no significant differences in individual perceived barriers or levels of behavioural difficulty between ethnic groups. In study two, Pakistani, Asian British and African families showed the highest levels of interest in attending groups, and White British and Black British the lowest. There was no significant correlation between interest and behavioural difficulties. Higher parent education was associated with interest. The research shows that barriers to attendance are diverse, and finding further ways of enhancing the uptake of community‐based group programmes across different ethnic groups would be valuable.

Details

Journal of Children's Services, vol. 6 no. 1
Type: Research Article
ISSN: 1746-6660

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Article
Publication date: 5 March 2018

Eduardo Parra-López and José Alberto Martínez-González

The purpose of this study is to synthesize the published works about tourism in the island. Island destinations, especially smaller ones, suffer the negative effects of…

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Abstract

Purpose

The purpose of this study is to synthesize the published works about tourism in the island. Island destinations, especially smaller ones, suffer the negative effects of tourism more than other destinations. This is because of the characteristics of island destinations and the negative impacts arising from their inadequate management by different stakeholders. For these reasons, and conversely because tourism favors the social and economic development of islands, there has been a great deal of research published on insular tourism in the literature at a global level. Despite the number of studies carried out from different approaches, none have synthesized this scientific production. Thus, the main contribution of this paper is the use of a bibliometric and descriptive approach to carry out a thorough review of studies published on tourist development in island destinations.

Design/methodology/approach

The authors use a bibliometric and descriptive approach to carry out a comprehensive review of the published studies on tourism development in island destinations in the past decade with special emphasis on the items analyzed, places of analysis and scientific journals that have addressed this topic.

Findings

The results of the analysis of the literature show the interest of the study of tourism in island destinations. This interest is partly due to the attraction that tourists have for this type of destinations and the need to promote their sustainable management as tourism destinations (Cusick, 2009, Hall, 2011, Cave and Brown, 2012, López, Orgaz, Marmolejo and Alector, 2016). In addition, tourism in island destinations constitutes an opportunity for economic development and benefits both the local population and its visitors (Fabinyi, 2010; Porter et al., 2015).

Research limitations/implications

The main limitation of this paper is the great diversity of tourist destinations made up of islands, the complex nature of these destinations and tourism and the quantity and diversity of research carried out into them. This aspect has already been highlighted by other authors and makes it complex to determine which research should be included or excluded in this review.

Practical implications

Importantly, the results allow researchers and decision-makers to identify the main areas of interest in the study of island tourism and the reasons for this interest. They also indicate new areas of interest and in-depth studies. Thus, professionals have a map that shows the most relevant factors in tourism development for this type of destination and the variables that, both from a positive and a negative point of view, influence its development.

Social implications

This research shows that the main areas of interest is island destination are the quality of life of the local community, stakeholder collaboration, sustainability, diversification and seasonality, marketing, consumer behavior/perception and segmentation, planning of tourism activity, information and technology, competitiveness and efficiency.

Originality/value

As evidenced by the amount of research carried out, there is a great deal of interest in tourism in island destinations. This interest arises from the specific characteristics and the interest of tourists themselves in this type of destination, as well as from the negative impacts and opportunities generated by island tourism. Nevertheless, the number of references obtained for tourism in island destinations (N = 949) represents only 0.2 per cent of the total number of studies referring to only “island” in the SCOPUS consultation (339,607 studies). Thus, one of the contributions of this paper has been to highlight the need to continue studying and reviewing in greater depth research on insular tourism.

Details

Tourism Review, vol. 73 no. 2
Type: Research Article
ISSN: 1660-5373

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Article
Publication date: 16 March 2020

Aliosha Alexandrov and Birgit Leisen Pollack

Despite the common understanding of what interestingness is, few people can explain what makes something interesting. The purpose of this paper is to explore the…

Abstract

Purpose

Despite the common understanding of what interestingness is, few people can explain what makes something interesting. The purpose of this paper is to explore the theoretical foundation of interestingness and test if it has merit in the branding context. It aims to help practitioners understand how to make a brand interesting and what outcomes to expect from it.

Design/methodology/approach

Three preliminary studies (Studies 1, 2 and 3) provide proof of concept. Study 4 tests the antecedences and outcomes of brand interestingness (BI) across 66 brands by accounting for individual and brand variations. Study 5 examines the moderating effects of brand use and brand familiarity on BI and its outcomes.

Findings

A broad literature review reveals that interestingness is an emotion and is, therefore, an affective state. The findings from two exploratory studies show that customers naturally associate interestingness with specific brands and interesting brands are associated with novelty. Study 3 demonstrates that from all affective states arising from the evaluation of a brand (i.e. easiness, pleasantness, interestingness, challenge and difficulty), BI has the highest effect on purchase intention (PI). Study 4 demonstrates that the antecedents of BI are the novelty associated with the symbolic and functional aspects of a brand, and also the ability to cope with those novelty components. Two positive outcomes of BI are PI and word of mouth (WOM). Study 5 demonstrates that brand familiarity and brand use moderate the effect of BI on purchase intent and WOM. The research concludes with an operational definition of the BI concept and future research suggestions.

Originality/value

The research introduces the interesting concept in the brand context. Based on a broad literature review and several studies, it identifies the antecedents and outcomes of BI. It helps practitioners understand how they can increase the interestingness of brands and what outcomes to expect.

Details

Journal of Consumer Marketing, vol. 37 no. 5
Type: Research Article
ISSN: 0736-3761

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Article
Publication date: 4 December 2018

Avus C.Y. Hou, Wen-Lung Shiau and Rong-An Shang

Can mobile instant messaging (MIM) make people entering into the state of cognitive absorption (CA)? The purpose of this paper is to investigate whether CA can help…

Abstract

Purpose

Can mobile instant messaging (MIM) make people entering into the state of cognitive absorption (CA)? The purpose of this paper is to investigate whether CA can help explain users’ satisfaction during the process of MIM, while interactivity and interest are operated as determinants of CA as well as directly associated with satisfaction.

Design/methodology/approach

This study proposes a satisfaction model that is adapted from the CA theory to investigate MIMs users’ satisfaction with two determinants, interactivity and interest. Specifically, CA is operated as a second-order formative construct with four reflective dimensions, including curiosity, focused immersion, heightened enjoyment and temporal dissociation. Partial least square structural equation modeling was applied to evaluate the causal links of the model with the data collected from 472 LINE users who all had long using experience.

Findings

The results showed that CA in MIM, fueled by interactivity and interest, is positively related to satisfaction. Interactivity and interest themselves were also significantly associated with satisfaction. Among them, interactivity has the most influence on satisfaction, followed by interest and CA. Surprised, curiosity and focused immersion did not formative CA in MIM.

Research limitations/implications

The present study focuses on user satisfaction of a specific MIM (LINE) and collects data from users within a specific region (Taiwan). Other researchers must take these constrains into consideration when referencing this study.

Originality/value

To the best of the authors’ knowledge, this is the first study which confirmed that people still enter into the state of CA when using MIM on smartphone, even though the using environment is drastically different from that on desktop. It indicates that prior theories in CA with desktop-based software are still applicable and serve as a basis for more studies in the mobile context to a certain extent, but other factors should also be considered. As interactivity and interest are conducive to CA, leading to user satisfaction, an MIM app can be more popular if the two factors are incorporated.

Details

Industrial Management & Data Systems, vol. 119 no. 4
Type: Research Article
ISSN: 0263-5577

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Book part
Publication date: 2 December 2021

Steven L. Gill and Brett S. Kawada

This study addresses the issue of decreasing accounting student interest in the specialized taxation discipline. Using survey responses from accounting students around the…

Abstract

This study addresses the issue of decreasing accounting student interest in the specialized taxation discipline. Using survey responses from accounting students around the United States, the authors find that one of the most important influences on the choice of a taxation specialization over other accounting fields is the fascination and interest created as part of the initial taxation course in the student’s undergraduate education. This finding echoes prior research on how to motivate pre-business students toward accounting as a major area of study. The authors find that the challenging nature of the initial tax course and potential differences in future career options do not deter students from taxation. Other driving forces for pursing taxation include perceptions of entry-level and long-term compensation, long-term career opportunities, and having an interesting and challenging career. This study can be of interest to academic institutions, public accounting recruiters, and the accounting profession in general as it highlights the meaningful role each can play in encouraging accounting students to pursue taxation as a profession.

Details

Advances in Accounting Education: Teaching and Curriculum Innovations
Type: Book
ISBN: 978-1-80071-702-2

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Article
Publication date: 9 October 2017

Kristina Heinonen

The current service landscape is increasingly dynamic, and consumers’ engagement in market-related behavior is constantly changing. Developments in technology further…

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2562

Abstract

Purpose

The current service landscape is increasingly dynamic, and consumers’ engagement in market-related behavior is constantly changing. Developments in technology further influence this continuous dynamism. Therefore, it is important to understand the factors that may cause different engagement valence, especially as only some consumers actively engage in online platforms. The purpose of this paper is to characterize factors that positively and negatively influence consumer engagement and suggest theoretical and managerial implications for the different factors that determine consumer engagement.

Design/methodology/approach

This paper conceptualizes factors that influence consumer engagement based on their characteristics (behavioral, emotional, and cognitive) and the type of influence (positive or negative). The study uses customer-dominant logic of service, which focuses on emancipated customers and idiosyncratic customer logic, rather than on provider-orchestrated customer experiences of brands, firms, or offerings. An abductive research approach is used to qualitatively explore consumer engagement in the context of online interest communities.

Findings

The study identifies the behavioral, emotional, and cognitive factors that positively and negatively determine consumer engagement in the context of online interest communities.

Research limitations/implications

Through the focus on customer logic, the study provides a detailed and nuanced view of factors that influence consumer engagement. Future research is needed to explore how this framework can be applied to other online communities and different service contexts.

Practical implications

The paper provides insights into the presence of an interest area in consumers’ lives. The study indicates how firms may be involved in consumers’ lives and how firms may create successful customer relationships based on consumer engagement.

Originality/value

This study enhances previous research in four ways: by characterizing factors that determine engagement, paying particular attention to its negatively valenced factors and examining the interplay of the factors that positively and negatively influence engagement, by describing consumers’ connection to the interest area instead of positioning the brand as the link between the consumers and the provider, and by discussing the theoretical and practical challenges associated with understanding and managing consumer engagement.

Details

Journal of Service Theory and Practice, vol. 28 no. 2
Type: Research Article
ISSN: 2055-6225

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Article
Publication date: 7 June 2019

Woonkian Chong, Simon Rudkin and Junhui Zhang

Exponential growth in online video content makes viewing choice and video promotion increasingly challenging. While explicit recommendation systems have value, they…

Abstract

Purpose

Exponential growth in online video content makes viewing choice and video promotion increasingly challenging. While explicit recommendation systems have value, they inherently distract the user from normal behaviour and are open to numerous biases. To enhance user interest evaluation accuracy, the purpose of this paper is to comprehensively examine the relationship between implicit feedback and online video content, and reviews gender differentials in the interest indicated by a comprehensive set of viewer responses.

Design/methodology/approach

This paper includes 200 useable observations based on an experiment of user interaction with the Youku platform (one of the largest video-hosting websites in China). Logistic regression was employed for its simple interpretation to test the proposed hypotheses.

Findings

The findings demonstrate gender differentials in cursor movement behaviour, explainable via well-studied splits in personality, biological factors, primitive behaviour and emotion management. This work offers a solution to the sparsity of work on implicit feedback, contributing to the literature that combines explicit and implicit feedback.

Practical implications

This study offers a launch point for further work on human–computer interaction, and highlights the importance of looking beyond individual metrics to embrace wider human traits in video site design and implementation.

Originality/value

This paper links implicit feedback to online video content for the first time, and demonstrates its value as an interest capturing tool. By reviewing gender differentials in the interest indicated by a comprehensive set of viewer responses, this paper indicates how user characteristics remain critical. Consequently, this work signposts highly fruitful directions for both practitioners and researchers.

Details

Industrial Management & Data Systems, vol. 119 no. 5
Type: Research Article
ISSN: 0263-5577

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Article
Publication date: 1 February 2018

Spencer M. Ross and Sommer Kapitan

This work aims to use equity theory to explore how consumers assess prosocial actions as part of a mental portfolio of purchases and behaviors in a broader marketplace…

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2753

Abstract

Purpose

This work aims to use equity theory to explore how consumers assess prosocial actions as part of a mental portfolio of purchases and behaviors in a broader marketplace, seeking balance in market exchanges. Conceptualizing marketing exchange as both an exchange of perceived value and a balance between self- and collective-interest allows for segmentation by consumer sensitivity to equity and sheds light on why prosocial consumption might occur.

Design/methodology/approach

Two studies validate and segment consumers via their equity sensitivity. Between-subject designs with samples of consumers and marketing managers validate an equity sensitivity index that segments how people balance self- and collective-interests in marketplace exchange and predicts prosocial consumption choices.

Findings

The results indicate that Entitled decision makers are more willing to exchange collective-interest for self-interest and emphasize choices that maximize lower prices for consumers or greater profits for firms in lieu of prosocial outcomes. Benevolent decision makers, however, are more willing to exchange self-interest for collective-interest and support prosocial outcomes.

Originality/value

This work moves beyond research that focuses on attitudes, values and situational factors, instead using equity theory to uncover broader marketplace motivations for prosocial consumption. The research reveals that a motivating force behind prosocial consumption is how much consumers perceive they have given to, and gotten, from, the marketplace. Segmenting the market according to how consumers balance gains and losses provides an alternate approach to studying prosocial consumption, as well as a practical approach to developing targeted marketing strategies.

Details

European Journal of Marketing, vol. 52 no. 3/4
Type: Research Article
ISSN: 0309-0566

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