Factors That Impact Consumers' Intention to Shop on Foreign Online Stores

Cross-border e-commerce has been rapidly expanding. However, little research has been done to investigate how consumers decide to shop across national borders. This study aims to explore the factors that impact consumers’ intention to shop on foreign websites. A conceptual model is developed from the perspectives of consumer perceived trust and value. We also examine the effects of vendors’ signaling on perceived trust, as well as the effects of benefits and costs on perceived value. This study conducts an online survey to test the research model. Our findings can help researchers and practitioners understand the barriers to cross-border e-commerce and devise strategies to overcome these barriers

Fair trade in insurance industry: Premium determination of Taiwan automobile insurance

This paper examines premium determination of voluntary automobile insurance policy and risk classification under a heavily regulated rating system in Taiwan. We investigate the distribution of actual premium and pure premium, based on unique data to test if premium reflect appropriate gender-age factor. The reasonableness of loading and the difference in driving exposure between policyholder and driver are investigated for three different types of policy. An adjustment of gender-age premium coefficients is called for

Factors That Impact Consumers\u27 Intention to Shop on Foreign Online Stores

Cross-border e-commerce has been rapidly expanding. However, little research has been done to investigate how consumers decide to shop across national borders. This study aims to explore the factors that impact consumers’ intention to shop on foreign websites. A conceptual model is developed from the perspectives of consumer perceived trust and value. We also examine the effects of vendors’ signaling on perceived trust, as well as the effects of benefits and costs on perceived value. This study conducts an online survey to test the research model. Our findings can help researchers and practitioners understand the barriers to cross-border e-commerce and devise strategies to overcome these barriers

Loss prevention for hog farmers: Insurance, on-farm biosecurity practices, and vaccination

Using agricultural household survey data and claim records from insurers for the year 2009, this paper analyzes hog producers' choice of means of loss prevention and identifies the relationships among biosecurity practices, vaccination, and hog insurance. By combining one probit and two structural equations, we adopt three-stage estimations on a mixed-process model to obtain the results. The findings indicate that biosecurity practices provide the basic infrastructure for operating pig farms and complement both the usage of quality vaccines and the uptake of hog insurance. In addition, there is a strong relationship of substitution between quality of vaccine and demand for hog insurance. Hog farmers that implement better biosecurity practices are more likely to seek high-quality vaccines or buy into hog insurance schemes but not both. For those households with hog insurance, better biosecurity status, better management practices, and higher-quality vaccine significantly help to reduce loss ratios. However, we also find a moral hazard effect in that higher premium expenditure by the insured households might induce larger loss ratios.Biosecurity, hog insurance, loss prevention, vaccine,

Measuring fraud in insurance industry: The case of automobile insurance in Taiwan

By conducting an extensive exploration on claim data, this paper attempts to investigate the fraud problem in Taiwan automobile physical damage insurance. Based on the different claim patterns between data in calendar year and policy year, excess claims are significantly identified in the last month of policy year. Censored regression provides robust estimation concerning the sources of the fraud payment

Dynamic pricing in regulated automobile insurance markets with heterogeneous insurers: Strategies nice versus nasty for customers ☆

This study examines a phenomenon in one nation's automobile insurance market where insurers adopt diverse pricing strategies in this regulated industry that does not allow for such diversions-a homogeneous, insurance industry in which a government authority sets the official pricing formula as well as all of the rating factors. Insurers use a claim coefficient that reflects previous claim records of policyholder as an implicit pricing tool to over/under charge new and repeat customers. The aim here is not so much to blow-the-whistle on pricing practices that violate regulations but to describe execution details of the practices and their outcomes. The results show that firm-level, systematic, price variances that occur differ from prices that follow from applying regulated individual-claim coefficients. Based on the unique firm-level pricing strategies, this study finds that some insurers are more nice to new customers and nasty to repeat customers to increase market shares while other insurers earn high profits by being nasty to repeat customers. The assumption that a behavioral primacy effect may exist in the market may guide some firms' pricing strategies

FLJ10540 is associated with tumor progression in nasopharyngeal carcinomas and contributes to nasopharyngeal cell proliferation, and metastasis via osteopontin/CD44 pathway

BACKGROUND: Nasopharyngeal carcinoma (NPC) is well-known for its highly metastatic characteristics, but little is known of its molecular mechanisms. New biomarkers that predict clinical outcome, in particular the ability of the primary tumor to develop metastatic tumors are urgently needed. The aim of this study is to investigate the role of FLJ10540 in human NPC development. METHODS: A bioinformatics approach was used to explore the potentially important regulatory genes involved in the growth/metastasis control of NPC. FLJ10540 was chosen for this study. Two co-expression strategies from NPC microarray were employed to identify the relationship between FLJ10540 and osteopontin. Quantitative-RT-PCR, immunoblotting, and immunohistochemistry analysis were used to investigate the mRNA and protein expression profiles of FLJ10540 and osteopontin in the normal and NPC tissues to confirm microarray results. TW01 and Hone1 NPC cells with overexpression FLJ10540 or siRNA to repress endogenous FLJ10540 were generated by stable transfection to further elucidate the molecular mechanisms of FLJ10540-elicited cell growth and metastasis under osteopontin stimulation. RESULTS: We found that osteopontin expression exhibited a positive correlation with FLJ10540 in NPC microarray. We also demonstrated comprehensively that FLJ10540 and osteopontin were not only overexpressed in NPC specimens, but also significantly correlated with advanced tumor and lymph node-metastasis stages, and had a poor 5-year survival rate, respectively. Stimulation of NPC parental cells with osteopontin results in an increase in FLJ10540 mRNA and protein expressions. Functionally, FLJ10540 transfectant alone, or stimulated with osteopontin, exhibited fast growth and increased metastasis as compared to vehicle control with or without osteopontin stimulation. Conversely, knockdown of FLJ10540 by siRNA results in the suppression of NPC cell growth and motility. Treatment with anti-CD44 antibodies in NPC parental cells not only resulted in a decrease of FLJ10540 protein, but also affected the abilities of FLJ10540-elicited cell growth and motility in osteopontin stimulated-NPC cells. CONCLUSIONS: These findings suggest that FLJ10540 may be critical regulator of disease progression in NPC, and the underlying mechanism may involve in the osteopontin/CD44 pathway

Depth Profiling Photoelectron-Spectroscopic Study of an Organic Spin Valve with a Plasma-Modified Pentacene Spacer

[[abstract]]We report an enhanced magnetoresistance (MR) in an organic spin valve with an oxygen plasma-treated pentacene (PC) spacer. The spin valve containing PC without the treatment shows no MR effect, whereas those with moderately plasma-treated PC exhibit MR ratios up to 1.64% at room temperature. X-ray photoelectron spectroscopy with depth profiling is utilized to characterize the interfacial electronic properties of the plasma-treated PC spacer which shows the formation of a derivative oxide layer. The results suggest an alternative approach to improve the interface quality and in turn to enhance the MR performance in organic spin valves.[[incitationindex]]SCI[[booktype]]電子

EMT-Induced Stemness and Tumorigenicity Are Fueled by the EGFR/Ras Pathway

10.1371/journal.pone.0070427PLoS ONE88-POLN