scholarly journals Understanding Cash Sharing: A Sustainability Model

2019 ◽  
Vol 7 (1) ◽  
pp. 17
Author(s):  
Leire San-Jose ◽  
Ana Beraza ◽  
Jose Retolaza
Keyword(s):  
New Technologies ◽  
Direct Interaction ◽  
Structural Equations ◽  
Access To Credit ◽  
Collaborative Tool ◽  
Relationship Systems ◽  
Treasury Management ◽  
Ease Of Access ◽  
Credit Restriction ◽  
Financial Relationship

Traditionally, corporate treasury management has been strategically based on the idea of advancing collections and delaying payments, which has been regulated through the intermediation of financial entities using, for example, credit accounts. New technologies applied to the financial field facilitate direct interaction between companies and reduce the transaction costs, because they allow adjustment of the flows of needs, but high confidence is required. The current ease of access to credit does not promote the incorporation of new financial relationship systems, but the operation of these systems should be studied, since a future credit restriction, like that known in Europe at the end of the 2000s, could change the situation. The aim of this paper was to identify the factors involved in this relationship among companies and establish the main conditions for cash sharing between companies to achieve a successful financial function. The investigation is based on a Delphi analysis used to analyze the successful experiences of shared cash (Mondragon Corporation, Trocobuy, and Arboribus), the needed variables, and their context. Then, our model was created from that exploratory knowledge. Our model is called mutual cash holding and its relevance and reliability were contrasted using structural equations based on a questionnaire administered to financial managers of large- and medium-sized Spanish companies. The result generates knowledge that articulates a new collaborative tool that expands the possibilities for treasury management among companies.

scholarly journals Key Factors for In-Store Smartphone Use in an Omnichannel Experience: Millennials vs. Nonmillennials

Complexity ◽  
2018 ◽  
Vol 2018 ◽  
pp. 1-14 ◽  
Author(s):  
Ana Mosquera ◽  
Emma Juaneda-Ayensa ◽  
Cristina Olarte-Pascual ◽  
Jorge Pelegrín-Borondo
Keyword(s):  
Behavioral Intention ◽  
New Technologies ◽  
Structural Equations ◽  
Actual Behavior ◽  
Key Factors ◽  
Early Adopters ◽  
Brick And Mortar ◽  
Smartphone Use ◽  
Use Behavior ◽  
Behavioral Intention To Use

The in-store use of smartphones is revolutionizing the customer journey and has the potential to become an important driver in the omnichannel context. This paper aims at identifying the key factors that influence customers’ intentions to use smartphones in-store and their actual behavior and to test the moderating effect of age, differentiating between millennials and nonmillennials, as millennials are considered digital natives and early adopters of new technologies. We applied the UTAUT2 model to a sample of 1043 Spanish customers, tested it using structural equations, and performed a multigroup analysis to compare the results between the two groups. The results show that the model explains both the behavioral intention to use a smartphone in a brick-and-mortar store and use behavior. The UTAUT2 predictors found to be most important were habit, performance expectancy, and hedonic motivation. However, the study shows that the only difference between millennials and nonmillennials with regard to the use of smartphones in-store is the effects of behavioral intention and habit on use behavior. The study adds to the existing knowledge by providing evidence in support of the validity of UTAUT2 as an appropriate theoretical basis to explain effectively behavioral intention, specifically the in-store use of smartphones.

scholarly journals LIQUIDITY LIMITATION INFLUENCE ON INDUSTRIAL COMPANIES’ INVESTMENTS IN INVESTIGATIONS AND DEVELOPMENT AND EFFECTIVENESS OF INNOVATIVE ACTIVITY

2016 ◽  
pp. 80-89 ◽  
Author(s):  
A. V. Trachuk ◽  
N. V. Linder
Keyword(s):  
New Technologies ◽  
Spillover Effect ◽  
Innovative Activity ◽  
Small Companies ◽  
Innovation Research ◽  
Scientific Investigations ◽  
Industrial Companies ◽  
Financial Indicator ◽  
Credit Restriction ◽  
In Virtue Of

Scientific investigations and development of new technologies (ID) benefit society more than the profit the innovator derives. Thus innovation research key point is spillover effect consideration: as far as the other firms will also get off-the-shelf technology access (probably with temporary lag), innovator-enterprise doesn’t receive all the profit from the performed ID. Consequently, a lot of companies are inclined to limit investments in ID, particularly in case of liquidity shortage.The article presents the results of investigation of liquidity limitation influence on the companies’ decision to invest in ID, the amount of investment and the effectiveness of innovative activity. Hard liquidity limitation happens to be, when the company doesn’t have access on capital markets (for example, in connection with financial downfall or property shortage for credit loan guarantee), soft – where feasible to obtain credit, but loanable funds price is higher than profitability of its activity. The direct indicator of credit restriction is used for analyzing, and the economic model which determines interrelation between companies’ decision to invest in ID, the amount of these investments and the effectiveness of innovative activity. Obtained results demonstrate that restrictive financial indicator has positive significant connection with the companies’ decision to invest in ID, and doesn’t influence the amount of these investments in case of positive decision. Thus far from every industrial company decide to invest in ID in virtue of liquidity limitation, but for those who invest the amount of investments doesn’t depend on liquidity limitation. It is explained with the fact that availability of own funds is more important than credit possibilities in accepting the companies’ decision of ID investment.Cash effect is also proved, the effect when a big company has great available assets that makes ID and innovations financing easier, and inverse U-dependence is proved between the market level of competition and innovations.It was concluded that small companies and companies of low-tech branches need investments which simplify imitation of off-the-shelf technologies from developed markets but not the ID intensity increasing.

scholarly journals Calidad del servicio percibida por clientes de entidades bancarias de Castilla y León y su repercusión en la satisfacción y lealtad a la misma

2008 ◽  
pp. 105
Author(s):  
José Ángel Miguel Dávila ◽  
Marcela Flórez Romero
Keyword(s):  
Service Quality ◽  
New Technologies ◽  
Great Influence ◽  
Physical Structure ◽  
Structural Equations ◽  
Key Factors ◽  
Castilla Y Leon ◽  
Nuevas Tecnologías ◽  
Main Components ◽  
Structural Equations Model

El propósito de la investigación está enmarcado en el estudio de la calidad del servicio que prestan las entidades bancarias. El objetivo de la investigación ha sido el de identificar los factores que determinan la calidad del servicio que perciben los clientes de las entidades bancarias de Castilla y León, y de cómo la calidad influye en su satisfacción. Así mismo, se trata también de identificar cómo la satisfacción de los clientes por el servicio prestado afecta a su lealtad hacia la entidad.<br />Mediante un análisis factorial de componentes principales, se encontraron los factores que influyen en la calidad: i) aspectos físicos (estructura física, ubicación conveniente, equipamiento moderno, vigilancia, aspecto limpio, etc.); ii) aspectos de la prestación del servicio (operaciones y servicios convencionales que realiza y ofrece la entidad, confianza y conocimiento que transmite el personal, atención personalizada, tiempos de respuesta, reputación de la entidad); y iii) nuevas tecnologías (cajeros, Internet o banca telefónica). Posteriormente, los resultados del modelo de ecuaciones estructurales, muestran una gran influencia de los aspectos de la prestación del servicio en la calidad del servicio, así como la demostración de la calidad como antecedente de la satisfacción y la influencia que ejerce la calidad en la satisfacción y ésta en la lealtad del cliente a la entidad bancaria.<br /><br />The aim of this paper is to analyze the quality of the services offered by banking entities. The objective of the research has been to identify the key factors determining the service quality as perceived by the clients of banking entities in Castilla y León; it is important to note the way in which quality influences the customers' satisfaction. Others goals of the research focus on how the clients' satisfaction on the perceived service affects their loyalty to the entity.<br />Through a factor analysis of the main components, the key features influencing quality were found: i) physical aspects (physical structure, conveniente location, modern equipment, etc.), ii) aspects of service's performance (conventional operations and services which the bank offers and performs, personalized service, reputation of the entity, etc.), and iii) new technologies (cash dispenser, internet or phone banking). Afterwards, the results of the structural equations model indicate a great influence of the aspects of service's performance in the service quality. They also demonstrate that quality appears as an antecedent of satisfaction and that there is an influence of quality in satisfaction and of satisfaction in the loyalty of the customer to the banking entity.<br />

scholarly journals Students’ Acceptance and Tracking of a New Container-Based Virtual Laboratory

2020 ◽  
Vol 10 (3) ◽  
pp. 1091 ◽  
Author(s):  
Llanos Tobarra ◽  
Antonio Robles-Gómez ◽  
Rafael Pastor ◽  
Roberto Hernández ◽  
Andrés Duque ◽  
...  
Keyword(s):  
New Technologies ◽  
Perceived Usefulness ◽  
Virtual Laboratory ◽  
Intention To Use ◽  
Virtualization Technology ◽  
Learning Scenarios ◽  
Points Of View ◽  
Ease Of Access ◽  
Virtual Platform ◽  
Very High

Presently, the ever-increasing use of new technologies helps people to acquire additional skills for developing an applied critical thinking in many contexts of our society. When it comes to education, and more particularly in any Engineering subject, practical learning scenarios are key to achieve a set of competencies and applied skills. In our particular case, the cybersecurity topic with a distance education methodology is considered and a new remote virtual laboratory based on containers will be presented and evaluated in this work. The laboratory is based on the Linux Docker virtualization technology, which allows us to create consistent realistic scenarios with lower configuration requirements for the students. The laboratory is comparatively evaluated with our previous environment, LoT@UNED, from both the points of view of the students’ acceptance with a set of UTAUT models, and their behavior regarding evaluation items, time distribution, and content resources. All data was obtained from students’ surveys and platform registers. The main conclusion of this work is that the proposed laboratory obtains a very high acceptance from the students, in terms of several different indicators (perceived usefulness, estimated effort, social influence, attitude, ease of access, and intention of use). Neither the use of the virtual platform nor the distance methodology employed affect the intention to use the technology proposed in this work.

scholarly journals Reasons for Plagiarism in Higher Education

Organizacija ◽  
2017 ◽  
Vol 50 (1) ◽  
pp. 33-45 ◽  
Author(s):  
Polona Šprajc ◽  
Marko Urh ◽  
Janja Jerebic ◽  
Dragan Trivan ◽  
Eva Jereb
Keyword(s):  
New Technologies ◽  
Statistical Tests ◽  
Demographic Data ◽  
Moral Beliefs ◽  
Transmission Of Knowledge ◽  
Information And Communication ◽  
Ease Of Access ◽  
The Right ◽  
The University ◽  
Nonparametric Statistical

Abstract Background and Purpose: The survey was performed to determine the reasons that lead students to possibly commit plagiarism during their studies. By doing so, we wanted to determine the main reason for the appearance of plagiarism and how, within this main reasons, various indicators of plagiarism are judged and, finally, how demographic data and student motivation for study are associated with the reasons for plagiarism. Design/Methodology/Approach: A paper-and-pencil survey was carried out among 17 faculties of the University of Maribor in Slovenia. A sample of 139 students 85 males and 54 females participated in this study, ages ranged from 19 to 36 years. The questionnaire contained 95 closed questions referring to: (i) general data, (ii) education, (iii) social status, (iv) awareness of plagiarism, and (v) reasons for plagiarism. Parametric and nonparametric statistical tests were performed depending on distributions of the answers. Results: The results reveal that information and communication technology is largely responsible for the plagiarism with two reasons highlighted: ease of copying and ease of access to materials and new technologies. We also found some differences between low and high motivated students. Different average values of the answers considering motivation for study were confirmed for academic skills, teaching factors and other reasons for plagiarism, where the average for lower motivated students is significantly different (higher) than the average for higher motivated students. At the end we could find no direct relationship between the average time spent on the Internet and plagiarism. Conclusion: The transmission of knowledge is the basic mission of faculties. This mission is based on moral beliefs about the harmfulness of its abuse, and plagiarism is exactly such abuse. Regardless of the students past at this point professors are those who could greatly contribute to the right set of skills to keep students off plagiarising.

scholarly journals Technical Efficiency of Mung Bean Producers: The Case of Myanmar

Agriculture ◽  
2021 ◽  
Vol 11 (12) ◽  
pp. 1249
Author(s):  
Phyo-Pa-Pa Aung ◽  
Ji-Yong Lee
Keyword(s):  
Technical Efficiency ◽  
Mung Bean ◽  
New Technologies ◽  
Positive Impact ◽  
Efficiency Score ◽  
Export Earning ◽  
Total Production ◽  
Tobit Regression ◽  
Access To Credit ◽  
The Government

Agriculture plays a key role in Myanmar and it is the backbone of the country’s economy. Among the major export-earning crops in Myanmar, mung bean is one of the important, and it creates many opportunities for smallholders. About 90% of the total production of mung bean is exported for overseas or border trade and has extended markets, especially China, Vietnam and EU countries. This study aims to measure the level of technical efficiency of green mung bean producers and determine the factors influencing the technical efficiency of mung bean production in Tatkon Township, Myanmar. Data from 144 farms were analyzed using a DEA model and Tobit regression. The empirical results reveal that about 46% of farmers had an efficiency score of more than 0.90, which indicates that 54% of farmers were relatively inefficient in their production. The results also show that socioeconomics factors, such as age of farmers, farmers participating in associations and soil fertility, had a significantly positive impact on technical efficiency. Gender, education, access to credit and extension services had a positive impact on the technical efficiency of mung bean production in the study area. To reduce inefficiency, the government should consider providing more services to male farmers and older farmers to improve their capacities, as well as providing an extension of services, new technologies, credit and improved variety for mung bean production.

scholarly journals Mobile Android APP Proposal Using an Inventor Platform Applied to Energy Efficiency and Sustainability

2019 ◽  
Vol 7 (11) ◽  
pp. 497-505
Author(s):  
Anderson De Jesus Lopes Castro ◽  
Fabiana Rocha Pinto ◽  
David Barbosa de Alencar ◽  
Ricardo Silva Parente
Keyword(s):  
Energy Efficiency ◽  
Energy Expenditure ◽  
Mobile Application ◽  
Energy Production ◽  
New Technologies ◽  
Environmental Issues ◽  
Residential Unit ◽  
Raising Awareness ◽  
Android App ◽  
Ease Of Access

This paper reports on the implementation of the efficient Manaus project, with the objective of developing a mobile application that expires on energy saving, related to environmental issues, since energy production, advanced natural resources. This application is designed to be used in a residential unit to provide residents with information on formula applications that explain the generation and energy expenditure of household electrical appliances, use or usage tests, and usage of the device. lowering values ​​and minimizing the use of environmental resources. Thus, through a process of raising awareness of the knowledge gained from research in recent years, as well as providing quality content and ease of access, use the Google platform "APP INVENTOR" as a framework for testing results. Therefore, compile information on the best use of energy from a variety of information, including the elaboration of a Quiz, which addresses questions such as: where does electricity come from; tariff flags; efficient equipment; and electricity security, implemented in the application where they were supported by tools such as cartridges, and information from the agencies that reference each of these themes. This mode generates positive expectations for the future, which can create numerous other applications with information that helps to understand products, processes, changes in the sustainability context, to minimize impacts by new technologies.

scholarly journals FACTORS RELATED TO CONTINUATION OF MANGO CULTIVATION

2019 ◽  
Vol 10 (2) ◽  
pp. 52
Author(s):  
Alisabela Dhiya Rachmah ◽  
Elly Rasmikayati ◽  
Bobby Rachmat Saefudin
Keyword(s):  
Land Tenure ◽  
Research Method ◽  
Large Scale ◽  
Fisher Exact Test ◽  
Exact Test ◽  
Access To Credit ◽  
Marketing Activities ◽  
Commercial Crop ◽  
Ease Of Access ◽  
Paddy Cultivation

Usually, commodities shift occurs from food crops to commercial crops, such as horticulture with the aim of improving the welfare of farmer’s life. However, a different situation happened in Sedong Subdistrict, Cirebon Regency where mango farmers switched to paddy cultivation which is a non commercial crop. Most mango farmers began to abandon mango cultivation and made paddy cultivation as their main livelihood. Therefore this research aimed at analyzing the factors underlying the farmer’s decisions to abandon or continue mango cultivation and describing the potential and constraints of mango cultivation. Samples taken were 65 farmers in Sedong Subdistrict, Cirebon Regency consisting of 30 present-grower of mango who also experienced paddy cultivation and 35 past-grower of mango who switched to paddy cultivation. The research method used is the survey research method with data analysis using descriptive statistics and crosstabulation analysis with the fisher exact test. The results showed that the factors related to the farmer's decision to abandon or continue mango cultivation consisted of age, farmer's perception of mango cultivation, risk taking attitude, land tenure status, land area, and farmer group membership. Mango farming has easy transportation in the marketing activities provided by traders, as well as ease of access to credit bunt only for large scale farmers. The constraints felt by farmers in conducting mango farming consist of limited capital for small farmers,

scholarly journals Bridging the Gap in the Technology Commercialization Process: Using a Three-Stage Technology–Product–Market Model

2019 ◽  
Vol 11 (22) ◽  
pp. 6267 ◽  
Author(s):  
Minseo Kim ◽  
Hyesu Park ◽  
Yeong-wha Sawng ◽  
Sun-young Park
Keyword(s):  
Technology Acceptance ◽  
New Technologies ◽  
Product Market ◽  
End Users ◽  
Structural Equations ◽  
Market Potential ◽  
Market Model ◽  
Technology Commercialization ◽  
Market Demand ◽  
Technology Product

This study proposes a new “three-stage technology–product–market” model to analyze the technology commercialization process. This model revises the technology acceptance model to more accurately consider the market potential of new technologies from a consumer perspective. This approach can be used to supplement developers’ own evaluations of technology. To test the model empirically, an online survey of 350 end users was conducted regarding their intention to purchase the “Wireless USB,” which uses “Zing” technology and was developed by the Electronics and Telecommunications Research Institute. The data was used to test the model using a structural equations approach. We indirectly confirmed the existence of gaps in the technology commercialization process by verifying the mediating effects of the productization stage. Results suggest that end users may not purchase a product, even if they perceive the technology to be innovative; the product purchase intention is significantly influenced by its perceived value. Therefore, developers must understand the concept of technology value for productization in order to refine a technology according to market demand.

The General Settlement of 1577: An Aspect of Spanish Finance in the Early Modern Period

1982 ◽  
Vol 25 (1) ◽  
pp. 1-22 ◽  
Author(s):  
Albert Lovett
Keyword(s):  
Early Modern ◽  
Early Modern Period ◽  
Access To Credit ◽  
Modern Period ◽  
Total Freedom ◽  
Ease Of Access ◽  
The Moment ◽  
Second Category ◽  
Financial Groups ◽  
Imperial State

The states of sixteenth-century Europe fell into two financial groups. France and Spain, in a class of their own, enjoyed an apparently total freedom for much of the time from the normal constraints, and this in spite of their rapidly escalating debts. The other European states which made up the second category were compelled to observe far more stringent controls. The distinction between the two groups was further underlined by the question of credit. Although the Habsburg and Valois monarchs spent in a way that was both financially reckless and socially unpitying, the moneyed classes were only too eager to advance additional funds. Repeated, and sometimes spectacular, failures seemed rarely to have damped their enthusiasm. The smaller states seldom found such ease of access to credit. For most of the time they were obliged to maintain a semblance of order by sustained and sordid frugality - the bilking of minor creditors, the levying of dubious ‘loans’, or the dissipation of capital. While no strangers to these devices, France and Spain were able to operate for prolonged periods free from ordinary limitations. But even for these privileged beings the moment of truth eventually arrived. Resources were finite; and even an imperial state could exhaust the credit, if not the credulity, of its principal bankers. Such an intrusion of reality took the form of a public bankruptcy.

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