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This paper is aimed at developing a regression tree model useful to quantify the Money Laundering (ML) risk associated to a customer profile and his contracted products (customer’s inherent risk). ML is a risk to which different entities are exposed, but mainly the financial ones because of the nature of their activity, so that they are legally obliged to have an appropriate methodology to analyze and assess such a risk.

This paper uses the technique of regression trees to identify, measure and quantify the ML customer’s inherent risk.

After classifying customers as high- or low-risk based on a probability threshold of 0.5, this study finds that customers with 56 months or more of seniority are more risky than those with less seniority; the variables “contracted product” and “customer seniority” are statistically significant; the variables origin, legal entity and economic activity are not statistically significant for classifying customers; institution collection, business products and individual product are the most risky; and the percentage of effectiveness, suggested by the decision tree technique, is around 89.5 per cent.

In the daily practice of ML risk management, the two main issues to be considered are: 1) the knowledge of the customer, and 2) the detection of his inherent risk elements.

Information from the customer portfolio and his transaction profile is analyzed through BigData and data mining.

The purpose of this research is twofold: first, to conceptualise integrated marketing communication (IMC) by adopting a more inclusive and broader organisational perspective, and second, to empirically develop and validate a new measurement scale to assess firm-wide IMC.

This paper is based on a multistage research design adopting qualitative and quantitative approaches. First, a comprehensive literature review and a two-round Delphi study served as the primary basis for the development of the IMC theoretical framework, including generation of items and content validation. Second, a pilot study (n = 39) enabled us to purify the measurement tool. Third, the data gathered via an online survey conducted among CEOs and other senior managers (n = 180) led to empirical validation of the proposed firm-wide IMC scale applying second-order confirmatory factor and structural equation modelling analyses.

This research produced the firm-wide IMC scale, a 25-item Likert-format measure exhibiting adequate dimensionality, reliability and construct (convergent, discriminant and nomological) validity.

The need for a more holistic approach emerged from both the academic literature and the professional arena. However, even very recent attempts to measure integration have involved the adoption of a narrow marketing communications-centred approach. Thus, the value and uniqueness of this paper lies in its novel definition of IMC as a four-dimensional construct and the development of a theoretically consistent, valid and reliable measurement tool for the assessment of integration based on a firm-wide organisational approach.

The aim of this study is to analyse the moderating roles of restaurant type and client long-term orientation (LTO) on the loyalty building process. In addition, this analysis delves into the role of customer satisfaction and delight in the dining experience on the development of loyalty to a restaurant.

This study advances a moderator mediation model stemming from self-administered online questionnaires presented to clients subsequent to their gastronomic experiences. The analysis comprised a sample of 250 customers of moderate restaurants and 290 of midscale restaurants.

The results reveal that customer satisfaction and delight are two key antecedents to the process of building loyalty towards restaurants and that the responses depended on restaurant type and client LTO.

The study advances recommendations to restaurant managers and gastronomic marketing specialists. Moderate restaurants should satisfy the customer without offering additional services while medium-scale establishments should design actions perceived as an extra that surprise the client. Moreover, it is more important to offer delight to short-term oriented clients than to long-term oriented clients.

The global character of the hospitality industry implies that achieving customer loyalty requires going further than generating favourable attitudes. This has led the academic world to place more interest on the issue of delight perceived by the client. In this sense, the present study examines exclusively the long-term cultural dimension due to the little attention it has received in hospitality literature. Finally, the advances offered by the PROCESS software in analysing indirect conditional effects renders it possible to identify the different levels of customer LTO towards different types of restaurants.

This study aims to examine the process of value co-creation (VCC) on digital ecotourism platforms and the role of perceived platform usefulness and user participation behavior in that process. The study also seeks to determine the extent to which the typology of the ecotourist moderates VCC.

A total of 420 users of a digital ecotourism platform participated in a study analyzing the factors that influence VCC. A mediation, moderation and conditional process analysis was used to test the proposed hypotheses. A K-means cluster analysis was also used to classify the ecotourists into four groups.

The results show that perceived platform usefulness has a strong influence on the generation of VCC and also on user participation behavior. In turn, user participation behavior is an important driver of VCC. This study also highlights the moderating role of the ecotourist typology in the formation of VCC on these digital platforms.

This study offers managers of digital ecotourism platforms a means to identify and motivate those ecotourists with the necessary skills and characteristics to become true co-creators of value.

This study contributes to the existing knowledge on how value is co-created on digital ecotourism platforms, confirming the important antecedent role of perceived platform usefulness and user participation behavior, as well as the moderating role of ecotourist typology.

El propósito de este estudio es examinar el proceso de co-creación de valor (VCC) en las plataformas digitales de ecoturismo y el papel de la utilidad percibida de la plataforma y el comportamiento de participación de los usuarios. El estudio también pretende determinar en qué medida la tipología del ecoturista modera la VCC.

420 usuarios de una plataforma digital de ecoturismo participaron en un estudio que analizaba los factores que influyen en la co-creación de valor. Se utilizó un análisis de mediación, moderación y proceso condicional para probar las hipótesis propuestas. También se utilizó un análisis de conglomerados K-means para clasificar a los ecoturistas en 4 grupos.

Los resultados muestran que la utilidad percibida de la plataforma tiene una fuerte influencia en la generación de VCC y también en el comportamiento de participación del usuario. A su vez, el comportamiento de participación del usuario es un importante impulsor de la VCC. El estudio también destaca el papel moderador de la tipología ecoturística en la formación de VCC en estas plataformas digitales.

El estudio ofrece a los gestores de plataformas digitales de ecoturismo un medio para identificar y motivar a aquellos ecoturistas con las habilidades y características necesarias para convertirse en verdaderos co-creadores de valor.

Este estudio contribuye al conocimiento existente sobre cómo se co-crea valor en las plataformas digitales de ecoturismo, confirmando el importante papel antecedente de la utilidad percibida de la plataforma y el comportamiento de participación de los usuarios, así como el papel moderador de la tipología del ecoturista.

本研究的主要目的是考察数字生态旅游平台上的价值共同创造（VCC）过程, 以及感知平台有用性和用户参与行为在该过程中的作用。该研究还试图确定生态旅游者的类型在多大程度上调节了VCC。

一个数字生态旅游平台的420名用户参与了一项研究, 分析影响价值共同创造的因素。使用调解、调节和条件过程分析来检验所提出的假设。还使用了K-均值聚类分析, 将生态旅游者分为4组。

结果显示, 感知的平台有用性对VCC的产生有很大影响, 也对用户的参与行为有很大影响。反过来, 用户参与行为也是VCC的一个重要驱动因素。该研究还强调了生态旅游者类型学在这些数字平台上形成VCC的调节作用。

该研究为数字生态旅游平台的管理者提供了一种识别和激励那些具有必要技能和特征的生态旅游者成为真正的价值共同创造者的手段。

本研究对数字生态旅游平台上如何共同创造价值的现有知识做出了贡献, 证实了感知平台有用性和用户参与行为的重要前因作用, 以及生态旅游者类型学的调节作用。

This study aims to examine the extent to which customers’ perceptions of restaurant authenticity facilitate the establishment’s customer-based brand equity (CBBE) – both directly and indirectly – via customer satisfaction. The study also analyzes whether restaurant type moderates the antecedent relationships of CBBE formation.

Two restaurants of different types were selected for the study: a mid-scale and a moderate/casual restaurant. Based on a final total sample of 402 customers of both restaurant types, a moderated mediation regression model was used.

It was found that the level of authenticity perceived by the restaurant visitor during the gastronomic experience is an antecedent of restaurant brand equity formation, both directly and indirectly, via customer satisfaction. Furthermore, these antecedent relationships were found to be partially moderated by restaurant type.

Only two restaurants were used for the study. This study could be replicated by comparing other types of restaurants with differentiated characteristics to test whether the results obtained for these two types can be extrapolated to the rest.

There is no empirical evidence in the literature regarding the possible moderating effect of restaurant type on brand equity formation, so the particular note is the simultaneous application of CBBE measurement to the analysis of two different types of restaurant and the differences in their brand equity formation. On the other hand, there are few studies that use moderated mediation regression analysis as a methodological technique in the field of restaurants, so this is an interesting methodological contribution.

The system of beliefs and values that shaped the model for management and organizations during the twentieth century is just not good enough today. In order to keep a business functioning well and competing successfully in markets that are increasingly more global, complex, professionally demanding, constantly changing and oriented towards quality and customer satisfaction a new model is needed. In this paper, we will propose that both management by instructions and management by objectives today give notoriously inadequate results. By contrast, description of a new approach, labeled management by values (MBV), seem to be emerging as a strategic leadership tool. The paper outlines this approach and discusses the implementation of MBV as a tool to redesign culture in organizations and prepare them for the next millennium.

Starting from the premise that lifelong learning is a significant asset when it comes to enjoying an active ageing process and an important resource for exploring new interests and capacities that were not developed in previous life stages, this contribution explores our findings regarding the participation of older women in higher education in Cantabria, a Northern Atlantic Spanish region. Through analyzing secondary data provided by the main higher education institutions and associations involved with the organization of lifelong learning programmes, it identifies gendered patterns of participation in both the formal and informal educational options. Women's greater involvement in these programmes is analyzed in terms of overcoming a patriarchal traditional culture that in past times had not considered women as active participants in educational spaces. This was particularly clear in the context of the years following the end of the Spanish Civil War and during Franco's dictatorship. Through education, for women, ageing becomes a new life opportunity for self-construction and empowerment as well as for their own decision making in relation to their own life chances. Educational changes implemented in Spain in the last decades have opened up many alternatives to formal education at adult educational centres and university levels. These include informal and semi-formal programmes and educational options opened to people independently of their previous educational backgrounds that provide many opportunities for filling educational gaps to generations of women who could not have consistent access to formal, high-quality training in their youth.

The purpose of this paper is to test a theoretically driven model of the relationship between job demands, employees' motivation and resources, and supervisory support on employees' quality of work lives and their general health.

The study uses large survey data that were collected in the years 1995, 2002, and 2003 respectively, drawn from the public health care employees sector in Catalonia (Spain). Albeit cross‐sectional methodology, the study embraces an additional retrospective and longitudinal design.

The 2002 cross‐sectional study (n=2,926) supports the assertion made by stress researchers regarding the extent to which both job demands and lack of supervisory support predict low QWL and negative health outcomes: perceived motivation, resources and capabilities also appear as determinants but to a lesser extent. The stability of the results obtained was tested retrospectively by cross‐legging the model for the 1995 survey (n=2,901). In addition, a follow‐up study (i.e. longitudinal) was conducted in 2003 (n=10,003) to see whether the model still holds. By and large, the three‐level design shows the stability of the prediction in the same direction.

The paper discusses some possible prevention strategies to reduce the low QWL and negative health outcomes within the Public Health Sector.

The paper covers all categories of personnel in the health care personnel and thus external validity is very strong. Findings permit the taking of concrete actions to reduce stress, reduce negative health outcomes and by and large enhance the quality of work lives of the people in this sector.

The purpose of this paper is to analyze the moderating role of the cultural dimensions of long-term orientation (LTO) and individualism (IND) on the relationships between satisfaction online, message involvement (MI) and perceived usefulness (PU) of the web site on attitude toward the web site.

The authors chose a between-subjects experimental design, using culture (Spanish vs British) as the independent variable. Two versions of a web site for a fictitious tourist destination were created – one written in Spanish and the other in English. The sample comprised 491 users.

The findings indicate that the LTO dimension moderates the relationship between satisfaction online and PU on attitude toward the web site. The relationships between MI and attitude toward the web site could not be confirmed.

The main limitation of this study is the comparison of only two cultures, Spain vs the UK.

The key implication is that if marketers and web site designers can better understand how national cultural differences moderate the attitude formation and change process among tourists, this will enable them to market their destinations and services more effectively. National cultural differences explain the differences found in the effect of satisfaction and PU on attitude toward the web site.

This study is one of the few analyzing the moderating effect of LTO and IND on three antecedents of attitude toward the web site. The original cultural values established by Hofstede (2001) were tested among the present sample to establish the extent to which they remain true today. To create an authentic browsing scenario for the experiment, a web site was specially designed for a fictitious tourist destination, with its own domain name (buyada.org). Subjects were invited to browse the site freely while carrying out the task assigned to them. This approach contributed added value to the research by simulating the real behavior of tourists who are faced with a range of choices when putting together a tourism package for a given destination.

Before the CETSCALE can be used as a measure of consumer ethnocentrism on an international basis, it is necessary to assess its validity and reliability in as many countries and different conditions as possible. In this sense, the main purpose of this paper is to validate the CETSCALE as a measure of Spanish consumers’ ethnocentric tendencies. This was achieved by means of confirmatory factor analysis. We adopted a competing models strategy. Initially, two alternative models were formulated: a single‐factor model and a two‐factor model. Since both models equally fit the empirical data and after carrying out an in‐depth analysis of the estimated parameters, we considered a third model with two uncorrelated factors. After estimating this new model, the goodness‐of‐fit indices indicated a poor fit compared to the one‐factor model, therefore proving that the scale measures a unidimensional construct and that the measurement error is quite acceptable.