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The study examines influence of behavioural economic theories of add-on goods and contingent charges on the regulation of two touchstone markets in the UK. These markets, the payment protection insurance (PPI) market and the market for overdrafts can both be characterised as add-on goods, have displayed excessive levels of profitability and been the focus of continuing and substantial public mis-trust. Despite these similarities, the regulatory treatment of these two markets has been very different. The purpose of this paper is to explore the context of these cases and examine why these differences in regulatory reporting have developed.

The research questions are examined through a detailed review of the regulatory reporting in the UK PPI and overdraft market. This review of over 20 regulatory reports, numerous enforcement actions, associated legal proceedings and related international evidence is employed to determine commonalities and differences in the regulatory actions proposed, motives adopted and success of these regulatory processes.

It is reported the dynamic and fragmented regulatory structure, multiple policy agendas and a successful legal intervention have all influenced how these financial services markets have been regulated and behavioural economic concepts applied. In particular aspects of overdraft markets remain challenging to address as it is still possible to exclude competition within aftermarkets. The regulatory intervention into PPI markets by contrast addressed concerns raised by add-on good theory and amended the form of distribution underlying this market more directly and successfully.

There have been numerous excellent reviews of behavioural economics and finance published on a diversity of topics. Despite such a wide coverage, a relatively under-researched aspect of this literature remains the application of these relatively new theoretical insights within markets and how these have influenced regulatory practice. This review of regulatory reporting addresses this gap in the literature through considering two of the most problematic financial services markets of the last decade in the UK.

This paper examines the Competition Commission report on the provision of small and medium‐sized enterprise (SME) banking services in the UK. The examination will centre on the perceived clash between the ‘remedies’ proposed by the Competition Commission and the present forms of lending decision making, a key function in business banking. It is concluded that the Competition Commission assessment of the provision of banking services by clearing banks to small firms, directs scant attention as to how banking services are ‘manufactured’ or banks actually make decisions and operate in practice.

In the last four years, since Volume I of this Bibliography first appeared, there has been an explosion of literature in all the main functional areas of business. This wealth of material poses problems for the researcher in management studies — and, of course, for the librarian: uncovering what has been written in any one area is not an easy task. This volume aims to help the librarian and the researcher overcome some of the immediate problems of identification of material. It is an annotated bibliography of management, drawing on the wide variety of literature produced by MCB University Press. Over the last four years, MCB University Press has produced an extensive range of books and serial publications covering most of the established and many of the developing areas of management. This volume, in conjunction with Volume I, provides a guide to all the material published so far.

The purpose of this paper is to assess the adoption of internet of things (IoT) element with the view of increasing usage so that benefits of convenience, increased performance and timely completion of work can be improved. This research was conducted so that there can be increase in the usage of IoT elements for construction performance and sustainability.

The study adopted survey design and various construction professionals were used to assessing the level of adoption of IoT elements. Convenience sample was used by distributing the structured questionnaire to registered professionals. Mean score, bar chart, Kruskal–Wallis H test, one-sample t-test and Shapiro–Wilk were used for analyzing the data gathered.

The findings revealed that wireless fidelity, visualization, wireless sensor networks, Bluetooth, electronic product code and internet protocol are the most adopted element of IoT in the industry. The study also shows that there are areas where there is no significance attached by construction professionals in the usage of IoT elements. These are data storage and analytics, barcode, Zigbee, gateway, near field communication and actuators. It is recommended that less significant areas can be improved through training and educating professionals about the whole concept of IoT and other design professionals. When the importance of IoT elements are understood it will help in the level of adoption.

This paper highlights the possible ways of increasing the adoption of IoT elements with a view to achieving better usage for convenience, high productivity of workers and easy access to information.

The librarian and researcher have to be able to uncover specific articles in their areas of interest. This Bibliography is designed to help. Volume IV, like Volume III, contains features to help the reader to retrieve relevant literature from MCB University Press' considerable output. Each entry within has been indexed according to author(s) and the Fifth Edition of the SCIMP/SCAMP Thesaurus. The latter thus provides a full subject index to facilitate rapid retrieval. Each article or book is assigned its own unique number and this is used in both the subject and author index. This Volume indexes 29 journals indicating the depth, coverage and expansion of MCB's portfolio.

The British countryman is a well‐known figure; his rugged, obstinate nature, unyielding and tough; his part in the development of the nation, its history, not confined to the valley meadows and pastures and uplands, but nobly played in battles and campaigns of long ago. His “better half”—a term as true of yeoman stock as of any other—is less well known. She is as important a part of country life as her spouse; in some fields, her contribution has been even greater. He may grow the food, but she is the provider of meals, dishes, specialties, the innovating genius to whom most if not all British food products, mostly with regional names and now well‐placed in the advertising armentarium of massive food manufacturers, are due. A few of them are centuries old. Nor does she lack the business acumen of her man; hens, ducks, geese, their eggs, cut flowers, the produce of the kitchen garden, she may do a brisk trade in these at the gate or back door. The recent astronomical price of potatoes brought her a handsome bonus. If the basic needs of the French national dietary are due to the genius of the chef de cuisine, much of the British diet is due to that of the countrywoman.

This paper seeks to identify and develop an exploratory framework for conceptualising how teachers might use the affordances of Web 2.0 technologies to support their own professional learning.

The paper draws on a large corpus of literature and recent research evidence to identify the principal elements and features of professional learning and the underlying affordances of Web 2.0 technologies and applications. It generates an exploratory conceptual framework based on the emerging findings from this review using a socio‐cultural theoretical perspective. The framework is explored through three individual illustrations which are drawn from a much larger case study which the author is undertaking within a newly established Academy in the North of England.

The findings indicate that there is potential value in exploring professional learning with Web 2.0 technologies in the ways described. The framework offers an exploratory instrument to examine how professional learning for teachers could be supported with Web 2.0 technologies in ways that might have significant benefits over traditional methods of continuing professional development (CPD).

The potential value and affordances of Web 2.0 technologies for teachers' professional learning are largely unexplored and under‐theorised, and this work seeks to establish a framework for further discussion and empirical exploration.

The Internet of Things (IoT) provides exciting opportunities for the construction industry to solve its time and resource constraints and frequent defaults. This study seeks to identify and rank the perceived importance level of principal research areas associated with the IoT and the construction industry by utilising a scientific mapping tool (i.e. VOSviewer). Such knowledge would enable key drivers for successful adoption of the IoT and digitisation technologies to be outlined. An analysis of key drivers and research trends that facilitates the development of a roadmap for applying the IoT and digital technologies in the construction sector is therefore much needed.

An interpretivist philosophical lens was adopted to analyse published work as secondary data, where each publication represented a unit of analysis. A total of 417 peer-reviewed journal review articles covering the IoT within the construction domain were systematically reviewed using a mixed-methods approach, utilising qualitative-scientometric analyses techniques.

The results revealed a field of study in a fledgling stage, with a limited number of experts operating somewhat in isolation and offering single-point solutions instead of taking an integrated “holistic” approach. Key publication outlets were identified and the main focus of research undertaken being in the technical areas of smart buildings, smart construction objects and environmental sustainability. The major effects of adopting the IoT within the construction industry were identified as high-speed reporting, complete process control, data explosion leading to deep data analytics, strict ethical and legal expectations. Key drivers of the IoT adoption were outlined: interoperability; data privacy and security; flexible governance structures; proper business planning and models.

The study benefits researchers and industry practitioners alike. For researchers, the identified gaps reveal areas of high priority in future research. For construction companies, particularly small to medium-sized businesses, the study raises awareness of the latest developments and potential applicability of the IoT in the industry. For government agencies and policymakers, this study offers a point of reference in directing the adoption of the IoT smoothly in the construction sector and provides guidelines and standards for maximising the potential benefits.

The study is the first scientometric review of the existing body of knowledge in the context of application of the IoT in the construction industry. Findings expose knowledge gaps in contemporary research, specifically, a broader consideration of organisational adjustments needed to accommodate the IoT usage, economic analyses and impediments to wider acceptance.

Government appointed and sponsored committees of every description—select, ad hoc, advisory, inquiry—such a prominent feature of the public scene since the last War, are understandable, even acceptable, reflect the urgency of the times in which we live. In the gathering gloom of more recent twilight years, they have flourished inordinately, especially in the socio‐political field, where most of their researches have been conducted. Usually embellished with the name of the figure‐head chairman, almost always expensively financed, they have one thing in common—an enormous output of words, telling us much of what we already know. So much of it seems dull, meaningless jargon, reflecting attitudes rather than sound, general principles.