Approaches to Covering the Uninsured: A Guide

Explains the main options for expanding heath insurance coverage -- strengthening the current system, making it more affordable or more accessible, and changing how it is financed -- and their potential impact. Compares current reform proposals

Obligations of trust for privacy and confidentiality in distributed transactions

Purpose – This paper aims to describe a bilateral symmetric approach to authorization, privacy protection and obligation enforcement in distributed transactions. The authors introduce the concept of the obligation of trust (OoT) protocol as a privacy assurance and authorization mechanism that is built upon the XACML standard. The OoT allows two communicating parties to dynamically exchange their privacy and authorization requirements and capabilities, which the authors term a notification of obligation (NoB), as well as their commitments to fulfilling each other's requirements, which the authors term signed acceptance of obligations (SAO). The authors seek to describe some applicability of these concepts and to show how they can be integrated into distributed authorization systems for stricter privacy and confidentiality control. Design/methodology/approach – Existing access control and privacy protection systems are typically unilateral and provider-centric, in that the enterprise service provider assigns the access rights, makes the access control decisions, and determines the privacy policy. There is no negotiation between the client and the service provider about which access control or privacy policy to use. The authors adopt a symmetric, more user-centric approach to privacy protection and authorization, which treats the client and service provider as peers, in which both can stipulate their requirements and capabilities, and hence negotiate terms which are equally acceptable to both parties. Findings – The authors demonstrate how the obligation of trust protocol can be used in a number of different scenarios to improve upon the mechanisms that are currently available today. Practical implications – This approach will serve to increase trust in distributed transactions since each communicating party receives a difficult to repudiate digitally signed acceptance of obligations, in a standard language (XACML), which can be automatically enforced by their respective computing machinery. Originality/value – The paper adds to current research in trust negotiation, privacy protection and authorization by combining all three together into one set of standardized protocols. Furthermore, by providing hard to repudiate signed acceptance of obligations messages, this strengthens the legal case of the injured party should a dispute arise

Adding Bricks to Clicks: The Contingencies Driving Cannibalization and Complementarity in Multichannel Retailing

This paper empirically explores the contingencies that drive cannibalizing and complementary effects across channels to provide sales forecasting, promotion planning, and customer relationship management guidance to multichannel managers. We investigate three contingencies in a sales analysis of a leading U.S. retailer who adds a new retail store channel to existing catalog and online channels. We show that the emergence and strength of cannibalizing and complementary effects varies over time, across type of channel, and by type of customer, and provide insight into when and where managers can expect these effects to dominate and how to counter cannibalization and promote complementarity across channels. We find that opening retail stores cannibalizes sales in the catalog and online channels in the short term, but produces complementary effects in both channels in the long term; cannibalization is magnified in the catalog channel, while complementarity is magnified in the online channel. Customer analysis suggests that opening retail stores paves the way for higher rates of customer acquisition and higher rates of repeat purchasing among existing customers in the direct channels in the long term.Multichannel Retailing, Channels of Distribution, Direct Marketing, E-commerce, Channel Management

The implication of the hyperbolic discount model for annuitisation decisions

The low demand for immediate annuities at retirement has been a long-standing puzzle. We show that a hyperbolic discount model can explain this behaviour and results in the attractiveness of long-term deferred annuities. With a set of benchmark assumptions, we find that retirees would be willing to pay a much higher price than the actuarial fair price for annuities with longer deferred periods. Moreover, if governments were to introduce a pre-commitment device which requires pensioners to make annuitisation decisions around ten years before retirement, the take up rate of annuities could become higher

CONSUMER PREFERENCES FOR FOOD SAFETY ATTRIBUTES IN FRESH APPLES: MARKET SEGMENTS, CONSUMER CHARACTERISTICS, AND MARKETING OPPORTUNITIES

Past research has yielded conflicting results on consumer valuation of food safety characteristics. In this study, conjoint analysis is used to evaluate consumer responses to hypothetical apple products in a nationwide survey. Product characteristics include price, quality, pesticide use levels and the corresponding cancer risk, and type of government inspection. Consumers expressed a broad preference for reduced pesticide usage. Four market segments were identified corresponding to consumers: (a) who had a strong preference for food safety, (b) who exhibited a more balanced desire for all product characteristics, (c) who were extremely price sensitive, and (d) who had a strong preference for product quality. Results suggest that consumers in these segments differ based on demographic and psychographic characteristics. This information should prove useful to produce marketers in marketing produce that better meets consumers'Â’ needs.Consumer/Household Economics, Food Consumption/Nutrition/Food Safety,

Foreign Product Perceptions and Country of Origin Analysis across Black Sea:Studies on Azerbaijan, Bulgaria, Georgia, Russia and Turkey

The research aims to join the limited knowledge about COO perceptions of Black Sea regional consumers with the examples of the selected countries. Studies on foreign product perceptions are still scarce about this region. In the consequences of radical reforms to adopt free market system, consumers are exposed to a large variations of imported products more than ever before. Lack of consumer experience of particular products and inadequate product information and their producers resulted in the perception of the product's country-of-origin (COO) as the most important cue to assess the quality. This study analyses approaches toward foreign products, country of origin effect and the ethnocentric behavior of consumers of the selected countries. The study is a literature review of related studies in Azerbaijan, Bulgaria, Georgia, Russia and Turkey.Consumer Behavior, Country of Origin, Ethnocentrism, Developing Countries, International Marketing, BSEC, Azerbaijan, Bulgaria, Georgia, Russia, Turkey