Search results

Despite the statistical successes of the Japanese banking industry in the United States, Japanese bankers have failed to take advantage of the market's full potential. All global companies can learn from their success and mistakes.

Considers the dehumanization and weak service performance in the banking industry as it seeks to increase its efficiency. Argues that since customers are demanding more humanized banking, banks must narrow this gap between supply and demand by evaluating their marketing deficiencies and becoming more proactive. Considers a model for developing a bank′s effectiveness and improving customer satisfaction, thus developing a competitive edge.

Notes how marketing philosophy and practices have become increasingly important in the financial services industry. Uses a segmentation approach to understanding consumer satisfaction and dissatisfaction and choice behaviour in relation to affluence in the financial services market. Offers guidelines from this segmental approach for devising appropriate marketing strategies. Concludes that deregulation in the financial services industry has led to a lack of operation differentiation on several levels.

Considers the proliferation of products and services in the financial services industry aimed at different market segments. Highlights the affluent and nonaffluent market segments. Employs statistical analysis of survey data to evaluate the financial services needs, attitudes, and information‐seeking behaviour of these segments. Suggests implications for the managers of financial institutions, based on the study findings. Includes appendices on methodology and discriminant analysis used in the study.

The Bureau of Economics in the Federal Trade Commission has a three-part role in the Agency and the strength of its functions changed over time depending on the preferences and ideology of the FTC’s leaders, developments in the field of economics, and the tenor of the times. The over-riding current role is to provide well considered, unbiased economic advice regarding antitrust and consumer protection law enforcement cases to the legal staff and the Commission. The second role, which long ago was primary, is to provide reports on investigations of various industries to the public and public officials. This role was more recently called research or “policy R&D”. A third role is to advocate for competition and markets both domestically and internationally. As a practical matter, the provision of economic advice to the FTC and to the legal staff has required that the economists wear “two hats,” helping the legal staff investigate cases and provide evidence to support law enforcement cases while also providing advice to the legal bureaus and to the Commission on which cases to pursue (thus providing “a second set of eyes” to evaluate cases). There is sometimes a tension in those functions because building a case is not the same as evaluating a case. Economists and the Bureau of Economics have provided such services to the FTC for over 100 years proving that a sub-organization can survive while playing roles that sometimes conflict. Such a life is not, however, always easy or fun.

Racial and ethnic minorities utilize less healthcare than their similarly situated white counterparts in the United States, resulting in speculation that these actions may stem in part from less desire for care. In order to adequately understand the role of care-seeking for racial and ethnic disparities in healthcare, we must fully and systematically consider the complex set of social factors that influence healthcare seeking and use.

Data for this study come from a 2005 national survey of community-dwelling Medicare beneficiaries (N = 2,138). We examine racial and ethnic variation in intentions to seek care, grounding our analyses in the behavioral model of healthcare utilization. Our analysis consists of a series of nested multivariate logistic regression models that follow the sequencing of the behavioral model while including additional social factors.

We find that Latino, Black, and Native American older adults express greater preferences for seeking healthcare compared to whites. Worrying about one’s health, having skepticism toward doctors in general, and living in a small city rather than a Metropolitan Area, but not health need, socioeconomic status, or healthcare system characteristics, explain some of the racial and ethnic variation in care-seeking preferences. Overall, we show that even after comprehensively accounting for factors known to influence disparities in utilization, elderly racial and ethnic minorities express greater desire to seek care than whites.

We suggest that future research examine social factors such as unmeasured wealth differences, cultural frameworks, and role identities in healthcare interactions in order to understand differences in care-seeking and, importantly, the relationship between care-seeking and disparities in utilization.

This study represents a systematic analysis of the ways individual, social, and structural context may account for racial and ethnic differences in seeking medical care. We build on healthcare seeking literature by including more comprehensive measures of social relationships, healthcare and system-level characteristics, and exploring a wide variety of health beliefs and expectations. Further, our study investigates care seeking among multiple understudied racial and ethnic groups. We find that racial and ethnic minorities are more likely to say they would seek healthcare than whites, suggesting that guidelines promoting the elicitation and understanding of patient preferences in the context of the clinical interaction is an important step toward reducing utilization disparities. These findings also underscore the notion that health policy should go further to address the broader social factors relating to care-seeking in the first place.

Randy Pitman, an eloquent critic of librarians' print bias, has publicly noted a fact that should be obvious: referring to audiovisual materials in terms of what they are not (e.g., “non‐book materials”) automatically affords them second‐class status. Another media activist, Don Roberts, asserts that many selectors of multimedia library materials consider them to be “frivolous, secondary, or just plain negligible in content by comparison with printed materials.” In an article published twelve years ago which offered practical suggestions for overcoming “ingrained and inherent ‘printism,’” he listed alternative media producers and distributors, noted review sources outside the standard library literature, and provided other ideas for countering “the mistaken belief that you are required to leave your high‐fidelity, sensory‐aware self at home, or in your car, or at the concert hall, when you go to work at the library.” Today, he still finds “people who continue to specialize in formats, sentimentalize them, and try to perpetuate this or that medium as the pinnacle of consciousness…sometimes denying others access to formats which might be more appropriate to them in the process.” We are all multimedia beings, Roberts says: There is no way that books alone will enable us to “transform, inspire, and enliven.” Compiled with those thoughts in mind, the following annotated list of media producers and distributors which specialize in social issues—ethnicity, labor, peace, environment, and human rights, to name a few—primarily emphasizes independent and less well‐known media productions. Also worth noting are review sources like Angle—a publication covering work by women filmmakers (P.O. Box 11916, Milwaukee, Wl 53211, 414–963–8951; $20 individual, $30 institutional), Black Film Review (P.O. Box 18665, Washington, DC 20036; $12 individual, $24 institutional), and the lesbian/gay‐oriented Out in Video (Persona Press, Box 14022, San Francisco, CA 94114; $10).

This study examines the ethical and social consequences of the accelerated adoption of new technologies. An empirical approach is employed to explore the impacts of rapid technological integration on societal norms, ethical considerations, and individual behaviours. Responses from 305 participants are analysed using partial least squares structural equation modelling (PLS-SEM), focusing on perceived usefulness, ease of use, relative advantage, personal innovativeness, and fear of missing out (FOMO). The findings unveil intricate interactions between technological advancements and ethical–social dynamics, underscoring challenges and opportunities. This study offers critical insights for policymakers, technology developers, and society at large, aiming to encourage a more ethically informed and socially conscious approach to technology adoption.

In order to improve the engine reliability and efficiency, an effective way is to reform the turbine blade tip conformation. The paper aims to discuss this issue.

The present research provides several novel tip-shaping structures, which are considered to control the blade tip loss. Four different tip geometries have been studied: flat tip, squealer tip, flat tip with streamwise ribs and squealer tip with streamwise ribs. The tip heat transfer and leakage flow are both analyzed in detail, for example the tip heat transfer coefficient, tip flow and local pressure distributions.

The results show that the squealer seal and streamwise rib can reduce the tip heat transfer and leakage loss, especially for the squealer tip with streamwise ribs. The tip and near-tip flow patterns at the different locations of axial chord reflect that both the squealer seal and streamwise rib structure can control the tip leakage flow loss. In addition, the analysis of the aerodynamic parameters (the static pressure and turbine efficiency) also indicates that the squealer tip with streamwise ribs obtains the highest adiabatic efficiency with an increase of 2.34 percent, compared with that of the flat tip case.

The analysis of aerothermal and dynamic performance can provide a reference for the blade tip design and treatment.