Convenience Matters Serving the New Mexican Consumer
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The Role of Convenience in Technology Acceptance
TAM and Place: The Role of Convenience in Technology Acceptance J. Paul Leavell, [email protected] ABSTRACT This study investigates the relationship between perceived convenience and the technology acceptance model (TAM). Data were collected from a financial institution in the western United States. The context of the study was the intention of this institution’s customers to use an interactive teller machine (ITM). ITMs are automated machines that are replacing tellers in some bank branches allowing customers to engage in transactions such as loan payments, cash deposits and withdrawals, cashing checks, and funds transfers. ITMs differ from automatic teller machines (ATM) in that they allow for assisted interactions by branch and/or remote staff. ATMs are generally not deployed with the expectation of assisted self-service transactions. Conceptual Framework The technology acceptance model (TAM) has been used to study how individuals come to accept and use technology. The model was an extension of Fishbein’s and Ajzen’s (1975) theory of reasoned action (TRA) which posited that intention for a given behavior was a consequence of an individual’s attitude and subjective norms. Davis (1989) decomposed the attitude construct into perceived ease of use and perceived usefulness. Since Davis, the model has been used in a myriad of contexts: for example, online shopping (Ashraf, Thongpapanl, & Auh, 2014; Panchamia & Doctor, 2015; Lu & Rastrick, 2014), self-service banking (Kansal, 2016), adoption of app-based cab services (Roy, 2016), online education (Landry, griffeth, & Hartman, 2006; Cheng , 2011), medical technology (Seeman & Gibson, 2009), and customer management (Šebjan, Bobek, & Tominc, 2017). Various models have been proposed to extend the TAM with additional variables: for example, self-efficacy (Joo, Park, & Lim, 2018), motivational variables (Siegel, Acharya, & Sivo, 2017), variables from the diffusion of innovation theory (Lee, Hsieh, & Hsu, 2011). -
National Retailer & Restaurant Expansion Guide Spring 2016
National Retailer & Restaurant Expansion Guide Spring 2016 Retailer Expansion Guide Spring 2016 National Retailer & Restaurant Expansion Guide Spring 2016 >> CLICK BELOW TO JUMP TO SECTION DISCOUNTER/ APPAREL BEAUTY SUPPLIES DOLLAR STORE OFFICE SUPPLIES SPORTING GOODS SUPERMARKET/ ACTIVE BEVERAGES DRUGSTORE PET/FARM GROCERY/ SPORTSWEAR HYPERMARKET CHILDREN’S BOOKS ENTERTAINMENT RESTAURANT BAKERY/BAGELS/ FINANCIAL FAMILY CARDS/GIFTS BREAKFAST/CAFE/ SERVICES DONUTS MEN’S CELLULAR HEALTH/ COFFEE/TEA FITNESS/NUTRITION SHOES CONSIGNMENT/ HOME RELATED FAST FOOD PAWN/THRIFT SPECIALTY CONSUMER FURNITURE/ FOOD/BEVERAGE ELECTRONICS FURNISHINGS SPECIALTY CONVENIENCE STORE/ FAMILY WOMEN’S GAS STATIONS HARDWARE CRAFTS/HOBBIES/ AUTOMOTIVE JEWELRY WITH LIQUOR TOYS BEAUTY SALONS/ DEPARTMENT MISCELLANEOUS SPAS STORE RETAIL 2 Retailer Expansion Guide Spring 2016 APPAREL: ACTIVE SPORTSWEAR 2016 2017 CURRENT PROJECTED PROJECTED MINMUM MAXIMUM RETAILER STORES STORES IN STORES IN SQUARE SQUARE SUMMARY OF EXPANSION 12 MONTHS 12 MONTHS FEET FEET Athleta 46 23 46 4,000 5,000 Nationally Bikini Village 51 2 4 1,400 1,600 Nationally Billabong 29 5 10 2,500 3,500 West Body & beach 10 1 2 1,300 1,800 Nationally Champs Sports 536 1 2 2,500 5,400 Nationally Change of Scandinavia 15 1 2 1,200 1,800 Nationally City Gear 130 15 15 4,000 5,000 Midwest, South D-TOX.com 7 2 4 1,200 1,700 Nationally Empire 8 2 4 8,000 10,000 Nationally Everything But Water 72 2 4 1,000 5,000 Nationally Free People 86 1 2 2,500 3,000 Nationally Fresh Produce Sportswear 37 5 10 2,000 3,000 CA -
Sacrificing Privacy for Convenience: the Need for Stricter FTC Regulations in an Age of Smartphone Surveillance
Journal of the National Association of Administrative Law Judiciary Volume 34 Issue 2 Article 6 12-15-2014 Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance Ashton McKinnon Follow this and additional works at: https://digitalcommons.pepperdine.edu/naalj Part of the Administrative Law Commons, Consumer Protection Law Commons, Privacy Law Commons, and the Science and Technology Law Commons Recommended Citation Ashton McKinnon, Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance, 34 J. Nat’l Ass’n Admin. L. Judiciary 484 (2014) Available at: https://digitalcommons.pepperdine.edu/naalj/vol34/iss2/6 This Comment is brought to you for free and open access by the Caruso School of Law at Pepperdine Digital Commons. It has been accepted for inclusion in Journal of the National Association of Administrative Law Judiciary by an authorized editor of Pepperdine Digital Commons. For more information, please contact [email protected], [email protected], [email protected]. Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance By Ashton McKinnon* TABLE OF CONTENTS I. INTRODUCTION ......................................................................... 486 II. THE SMARTPHONE .................................................................... 488 III. APPS ........................................................................................ -
FAST TRACK CONVENIENCE STORES REDEFINE CONVENIENCE Zebra RFID Printer Pays for Itself in Six Months
FAST TRACK CONVENIENCE STORES REDEFINE CONVENIENCE Zebra RFID Printer Pays for Itself in Six Months About Fast Track Convenience For more than two decades, Sterling Services has offered fresh cuisine selections for vending, dining room management and executive catering to customers in the Detroit Metro area. Sterling Services has broken new ground with Fast Track Convenience powered by Freedom Shopping, self- checkout convenience stores that use RFID technology. Challenge Zebra® RZ400™ Printer In a society where people are constantly on the go—to work, school or to work out—convenient food options are not just a nicety; they’re a necessity. Customer Fast Track Convenience (Sterling Services) Offices, schools, fitness clubs, hospitals and other facilities have tried to Industry meet those needs with self-service vending machines or manned cafes. Retail Vending limits options to a few dozen items while staffed cafes are costly and only open certain hours. In fact, a business can spend $50,000 to Challenge To offer customers fresh cuisine selections $150,000 per year operating an on-site cafeteria. without the hassle of limited vending machines or costly manned cafes. After more than 20 years of offering vending and catering services, Sterling Services recently took its business to the next level. A light bulb Zebra Solutions Zebra RZ400 printer went off when the company discovered radio frequency (RFID) self- checkout technology at a trade show. Results • Fast Track stores sell more than double Pioneered by Freedom Shopping, a North Carolina-based technology what vending machines yielded at the same locations—and offer larger, more company, the solution provides RFID kiosks for retail locations, allowing varied items. -
Annual Report 2020
Annual Report 2020 Electrolux Professional Food, Beverage and Laundry Contents Introduction Goals and strategies Our industry Our business Sustainability Corporate Financial GRI report Share and report governance reports supplement Shareholders Contents This is Electrolux Professional 1 The year in brief 2 Key figures 3 CEO comments 4 The pandemic impact & response 6 How we create value 8 Read more on page Goals and strategies 10 37 Strategic goals 11 Markets Financial targets and dividend policy 14 Read more on page Our commercial activities focus Sustainability strategy and targets 15 4 on three geographical regions – Our industry 16 ALBERTO ZANATA, Europe, Americas, and Asia Pacific PRESIDENT AND CEO: Global trends 17 & Middle East and Africa (APAC & “ We are strong and well MEA). Global industry 18 positioned for the future” Key growth drivers 20 Our business 23 The OnE approach 24 Food & Beverage 26 Laundry 28 Customers 30 Sales and marketing 33 Our markets 37 Our production 41 Research and development 45 Our people 46 Sustainability report 49 Read more on page Mission, our commitment and framework 50 24 Targets and 2020 achievements 52 Our offering - the OnE OnE is our global product and service offering, with both single and full Sustainable Development Goals 53 solutions and services across Food, Beverage and Laundry – under one The Climate challenge 54 brand – allowing customers to manage their operations through connectivity Our value chain 55 and a digital ecosystem. Sustainable solutions 56 Sustainable operations 58 Ethics and relationships 61 Read more on page Corporate governance 64 Chairman’s comments 65 26 Corporate governance report 66 Board of Directors 74 Executive Management Team 76 Remuneration report 78 Risk and risk management 80 Read more on page 28 Financial reports 84 Administration report 87 Food & Beverage Laundry Financial statements 94 A wide range of professional food A wide range of equipment for Notes 102 service and beverage solutions. -
Report of the Committee to Study and to Report on the Best Practical
Georgia State University College of Law Reading Room Buck v Bell Documents Faculty Publications January 2009 Report of the Committee to Study and to Report on the Best Practical Means of Cutting Off the Defective Germ-Plasm in the American Population: The copS e of the Committee's Work Harry H. Laughlin Follow this and additional works at: https://readingroom.law.gsu.edu/buckvbell Institutional Repository Citation Laughlin, Harry H., "Report of the Committee to Study and to Report on the Best Practical Means of Cutting Off the efeD ctive Germ- Plasm in the American Population: The cS ope of the Committee's Work" (2009). Buck v Bell Documents. 10. https://readingroom.law.gsu.edu/buckvbell/10 This Article is brought to you for free and open access by the Faculty Publications at Reading Room. It has been accepted for inclusion in Buck v Bell Documents by an authorized administrator of Reading Room. For more information, please contact [email protected]. Eugenics Record Office. BULLETIN No. 10A: Report of the Committee to Study and to Report on the Best Practical Means of Cutting Off the Defective Germ-Plasm in the American Population. I. THE SCOPE OF THE COMMITTEE'S WORK, by HARRY H. LAUGHLIN, Secretary of the Committee, Cold Spring Harbor, Long Island, New York, February, 1914. This document has been scanned and prepared for publication in Adobe Acrobat format by the staff of the National Information Resource on Ethics and Human Genetics. The digitization was performed with funding from Georgetown University's subgrant through National Human Genome Research Institute's Centers of Excellence in ELSI Research (CEER) award to Duke University under grant number 06-SC-NIH-1027, Robert Cook-Deegan, Principal Investigator. -
June 2019 Safe Harbor Statement
Investor Presentation – June 2019 Safe Harbor Statement During this presentation management may discuss certain forward-looking statements concerning FEMSA’s future performance that should be considered as good faith estimates made by the Company. These forward-looking statements reflect management expectations and are based upon currently available data. Actual results are subject to future events and uncertainties, which could materially impact FEMSA’s actual performance. 2 Overview Ownership 47%(1) 100% 15% Coca-Cola’s largest Market leader and The world’s most franchise bottler in fastest growing retail international brewer the world by volume chain in Mexico 3 1 Represents 56% of shares with voting rights. Leading Consumer Company in Latin America FEMSA Comercio Coca-Cola Logistics/ Proximity Health Fuel FEMSA Refrigeration Division Division Division Mexico Brazil Colombia Argentina Venezuela Chile Panama Costa Rica Uruguay Guatemala Nicaragua Peru Ecuador 4 Internal company data, YTD. Creating Economic Value in the Last Decade KOF Market Cap Evolution Financial Highlights1 (US$ MM) 2018 2008 2 CAGR % Revenue 469,744 130,122 14% EBIT 41,576 17,290 9% 31,794 EBIT Margin 8.9% 13.3% EBITDA 60,458 22,035 11% EBITDA Margin 12.9% 16.9% CAPEX 22,192 7,522 11% 1 Amounts expressed in millions of Mexican Pesos 2 Figures for 2008 are the arithmetical sum of Coca Cola FEMSA and FEMSA Comercio, therefore figures exclude sold businesses. 10,317 • Consistently strengthening our competitive position. • Ability to operate in a rapidly changing economic environment. • Strong brand portfolio and exceptional operational 2008 June capabilities. CAGR 08 – June 19: 11% Source: Bloomberg, as of June, 5, 2019. -
Assessing Ricardian Equivalence
WORKING PAPERS ASSESSING RICARDIAN EQUIVALENCE Roberto RICCIUTI* Dipartimento di Economia Politica, Università di Siena Piazza San Francesco 7, 53100 Siena, Italy E-mail: [email protected] ABSTRACT This paper reviews the literature on Ricardian equivalence. This hypothesis may be interpreted as a generalisation to the short and the long run of the theories which put no weight on the real effects of public policies on aggregate demand. We argue that Ricardian equivalence relies on both permanent income hypothesis and the fulfilment of the intertemporal government budget constraint. The theoretical literature emphasises several reasons for departures from this hypothesis. However, the empirical literature is inconclusive. When Ricardian equivalence is tested in a life-cycle framework the hypothesis is usually rejected, while when the empirical analysis is based on optimising models, it is usually accepted. JEL Classification: E62 – H31 – H62 – H63 Keywords: Fiscal Policy, debt, taxes, goverment spending * Simon Wren-Lewis introduced me to the topic. Alberto Dalmazzo, Peter Diamond and John Seater provided useful comments. I thank them retaining the property rights of any mistakes. March 2001 In point of economy, there is no real difference in either of three modes: for twenty millions in one payment, one million per annum for ever, or 1,200,000 for 45 years, are precisely the same value; but people who pay taxes never so estimate them, and therefore do not manage their private affairs accordingly. We are too apt to think that war is burdensome only in proportion to what we are at the moment called to pay for it in taxes, reflecting on the probable duration of such taxes. -
Consumer Protection Policy in the New High-Tech, Global Marketplace
Anticipating the 21st Century: Consumer Protection Policy in the New High-Tech, Global Marketplace May 1996 FOREWORD Every report is of necessity the product of many hands. This one is no exception. The Bureau of Consumer Protection is grateful to the experts outside the Commission who helped identify the issues and speakers for the hearings on which this report is based; and to the hearing participants, whose thoughtful, lively, and provocative presentations continue to give us much food for thought. Special debts of gratitude to those inside the Commission as well: Greg Hales and his colleagues, whose technical expertise during the hearings helped bring many presentations to light; the staff of the Bureau of Consumer Protection — especially Tom Rowan and Robert Lippman — who contributed talent, time, and energy to the effort; and Dawne Holz, who patiently prepared this report for publication. Finally, a word of appreciation to our colleagues in the public and private sectors who are working with us to prepare for the critical issues facing businesses and consumers in the 21st century. TABLE OF CONTENTS EXECUTIVE SUMMARY ..................................................... i THE NEW MARKETPLACE — AN OVERVIEW ................................. 1 BENEFITS OF THE NEW TECHNOLOGY ..................................... 1 An Information Explosion ................................................. 1 Greater Choice .......................................................... 2 Convenience ........................................................... -
SUSTAINABILITY, SOCIAL MEDIA… and the FUTURE of RETAIL
THE COCA-COLA RETAILING RESEARCH Councils SUSTAINABILITY, SOCIAL MEDIA… AND THE FUTURE OF RETAIL Global Retail Summit London, August 2012 The first Coca-Cola Retailing Research Council was formed in 1978 in North America to help retail customers address industry issues through organized discussion and commissioned research. Today, the Company sponsors six Councils throughout the world: North America, NACS North America, Europe, Asia, Latin America, and Eurasia & Africa. Each Council is comprised of up to 20 retail leaders and non-voting Coca-Cola system executives. Widely considered to be among the industry’s most prestigious retail think tanks, the Coca-Cola Retailing Research Councils have published more than 50 proprietary studies on issues ranging from shopper insights and new market dynamics to technology, innovation and social media. THIS PUBLIcatION IS A COLLECTION OF PAPers PRODUCED FROM PresentatIONS at GLOBAL RetaIL SUMMIT. Panel DIscUSSIONS DURIng THE SUMMIT WERE NOT RECORDED. © 2012 THE COCA-COla EXPOrt CORPOratION, UNDER THE AUSPIces OF THE COCA-COla RetaILIng ResearcH COUncIls CONTENTS FOREWORD FACING UP TO NEW REALITIES Muhtar Kent PAGE 2 SUSTAINABILITY THE CHALLENGE FOR RETAILERS HRH Prince Charles PAGE 4 WELCOME TO THE NEW NORMAL Lord Deben PAGE 8 THE QUEST FOR CHANGE Carter Roberts PAGE 12 WHY LESS HAS TO MEAN MORE Dr Jason Clay PAGE 16 SOCIAL MEDIA BACK TO THE FUTURE? James Quarles PAGE 22 BE YOURSELF… SIMPLY FLAWSOME Wendy Clark PAGE 28 IT PAYS TO TALK. BUT KEEP IT RELEVANT… AND HONEST Richard Reed PAGE 30 THE FUTURE OF RETAILING HOW TO PREPARE FOR THE ‘PERFECT STORM’ Mark Price PAGE 34 SUMMARY THE PROMISE OF SUSTAINABLE GROWTH PAGE 38 LIST OF MEMBERS PAGE 40 CCRRC Global Retail Summit RepoRt FOREWORD FACING UP TO NEW REALITIES Muhtar Kent Chairman and Chief Executive Officer The Coca-Cola Company ince 1978, the Coca-Cola Retailing This is why I am convinced that sustaina- Research Council has generated over bility and social media will forever be con- 40 extensive, proprietary studies on nected at the hip. -
Navorsingsverslag Research Report
NAVORSINGSVERSLAG RESEARCH REPORT 2001 INHOUDSOPGAWE / TABLE OF CONTENTS Bladsye / Pages VOORWOORD / FOREWORD i-ii GIDS TOT KATEGORIEË GEBRUIK / GUIDE TO CATEGORIES USED iii-iv FAKULTEIT LETTERE EN WYSBEGEERTE / FACULTY OF ARTS 1-58 FAKULTEIT NATUURWETENSKAPPE / FACULTY OF SCIENCE 59-115 FAKULTEIT OPVOEDKUNDE / FACULTY OF EDUCATION 116-132 FAKULTEIT LANDBOU- EN BOSBOUWETENSKAPPE / 133-173 FACULTY OF AGRICULTURAL AND FORESTRY SCIENCES FAKULTEIT REGSGELEERDHEID / FACULTY OF LAW 174-180 FAKULTEIT TEOLOGIE / FACULTY OF THEOLOGY 181-190 FAKULTEIT EKONOMIESE EN BESTUURWETENSKAPPE / 191-217 FACULTY OF ECONOMIC AND MANAGEMENT SCIENCES FAKULTEIT INGENIEURSWESE / FACULTY OF ENGINEERING 218-253 FAKULTEIT GENEESKUNDE / FACULTY OF MEDICINE 254-342 FAKULTEIT KRYGSKUNDE / FACULTY OF MILITARY SCIENCE 343-350 ALGEMEEN / GENERAL 351-353 Redakteur / Editor: JP Groenewald Senior Direkteur: Navorsing / Senior Director: Research Universiteit van Stellenbosch / University of Stellenbosch Stellenbosch 7602 ISBN 0-7972-0907-7 i VOORWOORD Die jaarlikse Navorsingsverslag bied 'n omvattende rekord van die navorsingsuitsette wat in die betrokke jaar aan die Universiteit gelewer is. Benewens hierdie oorkoepelende perspektief op navorsing word jaarliks ook ander perspektiewe op navorsing in fakulteitspublikasies aangebied. Statistieke omtrent navorsingsuitsette word in ander publikasies van die Universiteit se Afdeling Navorsingsontwikkeling aangegee. Die Universiteit se navorsingspoging is, soos in die verlede, gesteun deur 'n verskeidenheid van persone en organisasies binne sowel as buite die Universiteit. Die US spreek sy besondere dank uit teenoor die statutêre navorsingsrade en kommissies, staatsdepartemente, sakeondernemings, stigtings en private indiwidue vir volgehoue ondersteuning in dié verband. Wat die befondsing van navorsing betref, word navorsers aan Suid-Afrikaanse universiteite - soos elders in die wêreld - toenemend afhanklik van nuwe bronne vir die finansiering van navorsing. -
Nber Working Paper Series Consumption and Saving
NBER WORKING PAPER SERIES CONSUMPTION AND SAVING: MODELS OF INTERTEMPORAL ALLOCATION AND THEIR IMPLICATIONS FOR PUBLIC POLICY Orazio P. Attanasio Guglielmo Weber Working Paper 15756 http://www.nber.org/papers/w15756 NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138 February 2010 We are grateful to a very large number of people for a number of different reasons. Our thinking about the issues discussed in this paper has been particularly influenced by a set of people, several of whom have been co-authors in several projects. They include: Rob Alessie, James Banks, Richard Blundell, Martin Browning, Angus Deaton, Hamish Low, Tom MaCurdy, Costas Meghir and Luigi Pistaferri. We have discussed many of the issues covered in this paper (and sometimes disagreed) with them. We certainly learned a lot from them. We are very grateful to three referees for comments and suggestions, and to the editor, for comments, suggestions, and incredible patience! The first author’s research was partly financed by the ESRC Professorial Fellowship RES-051-27-0135. The second author thanks ESRI, Cabinet Office, Tokyo, for hospitality, and many useful comments. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research. NBER working papers are circulated for discussion and comment purposes. They have not been peer- reviewed or been subject to the review by the NBER Board of Directors that accompanies official NBER publications. © 2010 by Orazio P. Attanasio and Guglielmo Weber. All rights reserved. Short sections of text, not to exceed two paragraphs, may be quoted without explicit permission provided that full credit, including © notice, is given to the source.