Dynamics of banking technology adoption: an application to internet banking

This paper is concerned with examining behaviour of firms (banks) and consumers (banks’ customers) in the event of a new technology (internet banking) introduction. The determinants of consumer adoption of internet banking are characterised using survey data from Korea in both static and dynamic framework. I find evidence that adoption of internet banking is influenced by sex, age, marital status, degree of exposure to internet banking, and the characteristics of the banks. A duration analysis shows no evidence of first mover advantage (order effects) in internet banking whilst the largest bank (rank effects) in commercial banking remains dominant in internet banking. The results imply that the internet banking adoption is dominated by social norm effects

Performance Analysis of Online Social Platforms

We introduce an original mathematical model to analyze the diffusion of posts within a generic online social platform. Each user of such a platform has his own Wall and Newsfeed, as well as his own self-posting and re-posting activity. As a main result, using our developed model, we derive in closed form the probabilities that posts originating from a given user are found on the Wall and Newsfeed of any other. These probabilities are the solution of a linear system of equations. Conditions of existence of the solution are provided, and two ways of solving the system are proposed, one using matrix inversion and another using fixed-point iteration. Comparisons with simulations show the accuracy of our model and its robustness with respect to the modeling assumptions. Hence, this article introduces a novel measure which allows to rank users by their influence on the social platform, by taking into account not only the social graph structure, but also the platform design, user activity (self- and re-posting), as well as competition among posts.Comment: Preliminary version of accepted paper at INFOCOM 2019 (Paris, France

Dynamics of Banking Technology Adoption: An Application to Internet Banking

This paper is concerned with examining behaviour of firms (banks) and consumers (banks' customers) in the event of a new technology (internet banking) introduction. The determinants of consumer adoption of internet banking are characterised using survey data from Korea in both static and dynamic framework. I find evidence that adoption of internet banking is influenced by sex, age, marital status, degree of exposure to internet banking, and the characteristics of the banks. A duration analysis shows no evidence of first mover advantage (order effects) in internet banking whilst the largest bank (rank effects) in commercial banking remains dominant in internet banking. The results imply that the internet banking adoption is dominated by social norm effects.internet banking, technology adoption, first-mover advantage, pre-emption, social norm

DYNAMICS OF BANKING TECHNOLOGY ADOPTION : AN APPLICATION TO INTERNET BANKING

This paper is concerned with examining behaviour of firms (banks) and consumers (banks’ customers) in the event of a new technology (internet banking) introduction. The determinants of consumer adoption of internet banking are characterised using survey data from Korea in both static and dynamic framework. I find evidence that adoption of internet banking is influenced by sex, age, marital status, degree of exposure to internet banking, and the characteristics of the banks. A duration analysis shows no evidence of first mover advantage (order effects) in internet banking whilst the largest bank (rank effects) in commercial banking remains dominant in internet banking. The results imply that the internet bankin g adoption is dominated by social norm effects.internet banking ; technology adoption ; first-mover advantage ; pre-emption ; social norm

Dissemination of Health Information within Social Networks

In this paper, we investigate, how information about a common food born health hazard, known as Campylobacter, spreads once it was delivered to a random sample of individuals in France. The central question addressed here is how individual characteristics and the various aspects of social network influence the spread of information. A key claim of our paper is that information diffusion processes occur in a patterned network of social ties of heterogeneous actors. Our percolation models show that the characteristics of the recipients of the information matter as much if not more than the characteristics of the sender of the information in deciding whether the information will be transmitted through a particular tie. We also found that at least for this particular advisory, it is not the perceived need of the recipients for the information that matters but their general interest in the topic

Global public policy: Does the new venue for transnational tobacco control challenge the old way of doing things?

The World Health Organization has fostered a new global public policy-the Framework Convention for Tobacco Control (FCTC). Until the 1980s, tobacco control was the sole preserve of states. Now, most countries accept the transnational nature of policy. We explain this shift by identifying mutually reinforcing changes in key policy process elements: transnational actors became a source of policy learning; an international venue ‘institutionalized' new policies; networks began to include tobacco control groups and exclude tobacco companies; socioeconomic shifts undermined public support, and the economic case, for tobacco; and the dissemination of scientific evidence helped actors reframe the image of tobacco, from an economic good to a health crisis. These elements combined to produce an environment conducive to ‘comprehensive' tobacco control. Yet the implementation of the FCTC has been slow and uneven, reflecting the continued importance of domestic policy environments, most of which are not conducive to major policy change

Negatywne opinie oraz ich rozprzestrzenianie się w internetowych mediach społecznościowych: rola wyznacznikowa populacji początkowej

This paper is a contribution to the knowledge of WoM transmis­sion on OSN. We specifically analyze the role of the seeding popula­tion diffusion of negative WoM. The method is based on an experi­ment on the Facebook fan base of an existing company. We manage to control the four elements of a successful WoM communication: the message, the social structure of the network, the characteristics of the individuals in the network, and the seeding population. We de­velop an original method to dissociate a seeding population from the general population and compare the diffusion of a set of negative messages distributed to both the original population and the artifi­cially targeted subset. Results show the impact of the seeding popu­lation’s characteristics on the diffusion of consumers’ negative mes­sages. We specifically show the impact of the carrier on the virality of the message.Artykuł stanowi wkład w wiedzę dotyczącą transmisji WoM (Word of Mouth) w sieciach społecznościowych (OSN). Analizujemy w szcze­gólności rolę rozprzestrzeniania się antyreklamy w populacji użyt­kowników. Metoda badawcza opiera się na eksperymencie wykona­nym na społeczności fanów realnie istniejącej marki na Facebooku. Udało nam się poddać kontroli cztery elementy skutecznej komuni­kacji WoM: komunikat, strukturę społeczną sieci, charakterystykę jed­nostek w sieci, populację początkową (seeding population). Wypraco­waliśmy autorską metodę wyodrębniania takiej populacji z ogółu oraz porównywania rozprzestrzeniania się zestawu negatywnych komuni­katów dostarczonych zarówno populacji pierwotnej, jak i sztucznie wyznaczonemu jej podzbiorowi. Wyniki pokazują skutki oddziaływa­nia cech populacji początkowej na wiralne rozprzestrzenianie się ne­gatywnych opinii konsumentów. Ukazujemy w szczególności wpływ nośnika komunikatu na jego wiralność