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This paper aims to focus on capital-related macroprudential policies in the context of recent policy discussions on the removal of barriers to the mobility of capital and liquidity of cross-border banks in the European Union (EU).

This study first discusses the link between financial stability and internal resource mobility of cross-border banks. Then, it examines past heterogeneity in structural capital buffers as key macroprudential capital instruments applied in the EU and relate them to costs of policy action, degree of foreign penetration and membership in the Banking Union.

Observed phase-in patterns of structural capital buffers in the EU are broadly consistent with costs of policy action, degree of foreign penetration and membership in the Banking Union as potential factors. The process of financial integration could be further enhanced through reduced uncertainty in the application of macroprudential policies that constrain capital mobility of cross-border banks.

This paper anchors macroprudential policies into a wider discussion on the mechanism and implications of ring-fencing in the EU over time. It discusses two policy areas, macroprudential policies and proposals for deeper financial integration, that share the same financial stability objective but tend to emphasize different implications of the mobility of capital and liquidity of cross-border banks in the EU. The study provides a discussion of potential implications of the recent adoption of the CRRII/CRDV legislation for future heterogeneity of macroprudential policies in the EU.

The purpose of this paper is to examine how users in an anonymous virtual environment react to an offer to trade in access to their social network profile.

The experiment was conducted in Second Life (SL). Participants were offered varied sums of money in exchange for access to their Facebook profile, effectively undermining their anonymity.

Even in an anonymous environment, money plays a role in users’ decisions to disclose their offline identity, but a closer look at the findings reveals that users also use deception to enjoy the benefits of the offer without paying the costs. The results illustrate three types of users according to the strategies they employ: abstainers, traders, and deceivers.

The implications to the field of online information disclosure lie at the ability to illustrate and distinguish between the different strategies users choose with regard to online information disclosure, as the study design simulates a common information disclosure trade offer in online environments.

Unlike previous studies that focussed on trades with specific pieces of information, this study examines willingness to sell access to a user’s entire profile, by thus better simulating online services conduct. This is also the first privacy experiment conducted in the anonymous environment of SL, and the first to study deception as a privacy protection strategy.

The purpose of this study is to segment Czech consumers based on their sustainable food consumption and their relationship with listening to music. Specifically, the authors attempt to answer the following question: is the relationship to music a segmentation difference for young consumers in the case of sustainability? The food-related lifestyle (FRL) concept is used as a framework; little attention has been paid to the FRL profile in the context of certain types of consumer orientations toward sustainability as a social value among consumers in Czechia.

In this research, the authors used 22 items related to sustainability (identify sustainability-oriented and health-oriented variables and socially and ethically oriented variables). The statistical data analysis techniques included factor analysis and cluster analysis. The results of the cluster analysis are the market segments. The total sample consists of 331 university students from Czechia. These data are from a continuous research project. A factor analysis identified six factors with satisfactory reliability coefficients. Using factor scores, a cluster analysis was run, resulting in four segments. These segments were further analyzed and described toward their sustainability orientation.

FRL concept was used to evaluate whether there are differences in the profiles of consumer orientations. Results emphasize the importance of personal characteristics and attitudes toward music, which in turn affect strategies to communicate with different segments to promote sustainable foods. Each segment has statistically significant differences in terms of its FRL.

This study explores the link between attitudes and behavior and suggests strategies to better understand the effect of information on consumer behavior. The results can help practitioners develop labeling strategies for fair-trade and sustainable foods to better focus on specific segments of consumers. This can be relevant when a sustainable food market is just starting, but hopes to reach more maturity in Czechia should be of the utmost importance for investors making long-term investments.