Search results

Objective – The South African health system has long been characterised by extreme inequalities in the allocation of financial and human resources. Voluntary private health insurance, delivered through medical schemes, accounts for some 60% of total expenditure but serves only the 14.8% of the population with higher incomes. A plan was articulated in 1994 to move to a National Health Insurance system with risk-adjusted payments to competing health funds, income cross-subsidies and mandatory membership for all those in employment, leading over time to universal coverage. This chapter describes the core institutional mechanism envisaged for a National Health Insurance system, the Risk Equalisation Fund (REF). A key issue that has emerged is the appropriate sequencing of the reforms and the impact on workers of possible trajectories is considered.

Methodology – The design and functioning of the REF is described and the impact on competing health insurance funds is illustrated. Using a reference family earning at different income levels, the impact on workers of various trajectories of reform is demonstrated.

Findings – Risk equalization is a critical institutional component in moving towards a system of social or national health insurance in competitive markets, but the sequence of its implementation needs to be carefully considered. The adverse impact of risk equalization on low-income workers in the absence of income cross-subsidies and mandatory membership is considerable.

Implications for policy – The South African experience of risk equalization is of interest as it attempts to introduce more solidarity into a small but highly competitive private insurance market. The methodology for considering the impact of reforms provides policy-makers and politicians with a clearer understanding of the consequences of reform.

The authors investigate the antecedents of psychological ownership from the customers' perspective by applying employee psychological ownership (EPO) to human resource management.

The authors conducted questionnaires on utilitarian benefits, hedonic benefits, perceived risk, customer satisfaction, customer trust and customers' psychological ownership (CPO) on 205 people. They verified their hypotheses using structural equation modeling analysis.

The authors found that customer trust positively influences CPO, but customer satisfaction does not. Instead, customer satisfaction indirectly affects CPO through the mediating effects of customer trust. They also found that utilitarian and hedonic benefits positively influence customer satisfaction and confidence, but perceived risk negatively influences it.

This study contributes to the service marketing literature by empirically confirming that customers have psychological ownership, such as employees, and by incorporating benefits, risk, trust and CPO into a comprehensive framework.

Marketers should formulate service strategies that strengthen customers' perceptions of utilitarian and hedonic benefits and avoid customers' perceived risk, which is expected to exert a significant CPO-enhancing effect.

In the service context, customers are perceived as partial employees. The authors empirically explored the role of perceived benefits and risks in enhancing CPO via customer satisfaction and trust by applying EPO concepts. Strengthening perceived benefits and avoiding perceived risk were verified as critical drivers of CPO in the service context. The results of this study confirm that customer trust is required for customers to feel CPO.

Social engineering is a prominent aspect of online crime. Various interventions have been developed to reduce the success of this type of attacks. This paper aims to investigate if interventions can help to decrease the vulnerability to social engineering attacks. If they help, the authors investigate which forms of interventions and specific elements constitute success.

The authors selected studies which had an experimental design and rigorously tested at least one intervention that aimed to reduce the vulnerability to social engineering. The studies were primarily identified from querying the Scopus database. The authors identified 19 studies which lead to the identification of 37 effect sizes, based on a total sample of N = 23,146 subjects. The available training, intervention materials and effect sizes were analysed. The authors collected information on the context of the intervention, the characteristics of the intervention and the characteristics of the research methodology. All analyses were performed using random-effects models, and heterogeneity was quantified.

The authors find substantial differences in effect size for the different interventions. Some interventions are highly effective; others have no effect at all. Highly intensive interventions are more effective than those that are low on intensity. Furthermore, interventions with a narrow focus are more effective than those with a broad focus.

The results of this study show differences in effect for different elements of interventions. This allows practitioners to review their awareness campaigns and tailor them to increase their success.

The authors believe that this is the first study that compares the impact of social engineering interventions systematically.