Determine the Effects of Mobile Technology, Mobile Learning on Customer Satisfaction and Loyalty (Case Study: Mellat Bank)

Mobile technology and mobile learning are considered as important and impressive factors in earning the organizational competencies and achieving competitive advantages and customer loyalty. The purpose of this study is to evaluate the role of mobile technology in customer loyalty. The Mellat bank mobile services are entering a new transition period. In response, the banking industrial is shifting its strategic focus away from attracting new customers, towards retaining existing customers through the promotion of customer loyalty. This paper investigates how mobile learning and the customer satisfaction influence customer loyalty. The adjustment effect of the mobile learning on customer satisfaction and customer loyalty is also analyzed. This study will also examine how mobile technology and mobile learning, affect both on improvement customer loyalty. The population of the study is Mellat bank. Results indicate that mobile learning   support the customer satisfaction, and have a direct and positive effect on that. It also effects on improvement of mobile learning which allows us to reach the superior customer loyalty. Such mobile technology is due to the mobile learning. Actually, this article proposes an integrated model covering a variety of factors which influence mobile learners satisfaction, and show us how to track and evaluate customer’ satisfaction and further strengthen the m-Learning system implementation

Selection of the Appropriate Wireless Payment Technology in Mobile Banking

As mobile technologies are becoming more advanced and mobile devices are making a big impact on daily life, a new type of payment system named mobile payment (m-payment) has emerged, enabling users to pay from their wireless devices especially mobile phones. This paper analyzes currently available Wireless-payment systems and finds the stored-value card to be the best overall payment scheme for mobile banking. A good payment protocol should balance the requirements of security and convenience. WAP (Wireless Application Protocol) is one of the prevalent wireless technologies is being embraced by the banking sector. This leads us to suggest that multiple usages can be added to m-payment systems with higher security merit so that they can gain a critical customer base. This study is trying to compare the way of  WAP , with other payment technologies and wants to show that by using Analytic Hierarchy Process(AHP) method in mobile banking can provide the goals of the users properly

Integrating TAM and TPB with Perceived Risk to Measure Customers’ Acceptance of Internet Banking

This article proposes a revised technology acceptance model to measure customers ‘acceptance of internet banking, in Iran. This study uses the technology acceptance model, theory of planned behavior and theory of perceived risk to build a comprehensive model. We designed a questionnaire and used it to survey a randomly selected sample of customers of internet banking, and In June 2010, a sample of 349 customers of national bank of Iran completed the questionnaire. We analyzed the data using structuralalequation modeling (SEM) to evaluate the strength of the hypothesized relationships, if any, among the constructs. The results provide support of the proposed model and confirm its robustness in predicting customers’ intention to accept internet banking and imply that the perceived usefulness is the most important positive predictor and security risk is the most important negative predictor of the intention to use internet banking

Critical Successful Factors Contributing to E-Commerce Adoption among Iranian SMEs

Iran’s Small and Medium Enterprises (SMEs) have been widely introduced in the market these days. In the emerging trend of electronic data interchange, Iran’s political, economical and social issues have been diverted to a more aggressive approach to the world of e-commerce, that despite the shadowing issues of the past, Iran already internalized the promising craft of e-commerce through various IT adoption techniques and skills. In line with this, this study is aimed to the growing emergence on Iran’s SMEs and how e-commerce contributes to the success of IT adoption. (Ajdari, 2007).This paper would further identify the ways and reasons how Iran thrived to its current status as a raising e-commerce country (Powers and Carvar, 1990) It’s the main responsibility of governmental forces to enable organizational and national forces to gain dynamic control over resources and markets for a better e-Commerce take off (Moor & Benbasat, I996). Also, we will investigate fifty SMEs and surveys along with personal interviews will be conducted to locate findings, reasons, causes and effects in this regard. Study will focus on three main areas of SMEs including organizational, environmental and technological aspects. Results indicate the significant perceived value of government support in SMEs development in Iran (Dearing, 1990)

Perceptual Learning of Fine Contrast Discrimination Under Non-roving, Roving-Without-Flanker, and Roving-with-Flanker Conditions and its Relation to Neuronal Activity in Macaque V1

\ua9 The Author(s) 2024.Perceptual learning refers to an improvement in perceptual abilities with training. Neural signatures of visual perceptual learning have been demonstrated mostly in mid- and high-level cortical areas, while changes in early sensory cortex were often more limited. We recorded continuously from multiple neuronal clusters in area V1 while macaque monkeys learned a fine contrast categorization task. Monkeys performed the contrast discrimination task initially when a constant-contrast sample stimulus was followed by a test stimulus of variable contrast, whereby they had to indicate whether the test was of lower or higher contrast than the sample. This was followed by sessions where we employed stimulus roving; i.e. the contrast of the sample stimulus varied from trial to trial. Finally, we trained animals, under ‘stimulus roving-with-flanker’ conditions, where the test stimuli to be discriminated were flanked by ‘flanking stimuli’. Perceptual discrimination abilities improved under non-roving conditions and under roving-with-flanker conditions as training progressed. Neuronal discrimination abilities improved with training mostly under non-roving conditions, but the effect was modest and limited to the most difficult contrast. Choice probabilities, quantifying how well neural activity is correlated with choice, equally increased with training during non-roving, but not during either of the roving conditions (with and without flankers). Noise correlations changed with training in both monkeys, but the changes were not consistent between monkeys. In one monkey, noise correlations decreased with training for non-roving and both roving conditions. In the other monkey, noise correlations changed for some conditions, but lacked a systematic pattern. Thus, while perceptual learning occurred under non-roving and roving-with-flanker conditions, the changes in neural activity in V1 were overall modest and were essentially absent under the different roving conditions

Readiness Assessment of Iran’s Insurance Industry for E-Commerce and E-Insurance Success

This paper attempts to develop a method for readiness assessment of potential electronic commerce (e-commerce) success of Iran’s insurance industry. This method can expand in other industries. Key factors impacting e-commerce are identified from Wells, D. and Thomann, j. (2006) researches. This model is a two-dimension 3*4 matrix. Each dimension consists of variables that influence on insurance industries readiness. These variables on horizontal dimension are: People Readiness, IT Readiness, and Business Readiness and on vertical dimension are: Business Imperative, Executive Sponsorship, Development Method and Business Process Orientation. Each cells of this matrix evaluated by 5 questions. This research’s data are collected via a 60-questions questionnaire-based survey from Iranian insurance companies. At the end of the research, the Iranian insurance companies were strongly recommended by us to invest on e-commerce and e-insurance area

Dimensions of Brand Equity in E-Services, Case of Electronic Banking Industry

The aims of this paper are to measure the brand equity of e-banking services, and to improve the conceptualization of customer-based e-service brand equity. A pilot and a main study were conducted. The findings in this study support the model of customer-based brand equity in e-service. A pilot and a main study were conducted. This study used a sample of 130e-banking customers. From the interrelationships among the organization's presented brand, external brand communications, customer experience with organization, brand image, brand awareness and perceived quality emergebrand association and brand loyalty and ultimately, brand equity. Finally, Partial least squares (PLS) modeling offers diagnostic information about a conceptual framework forunderstanding of customer-based brand equityin e-services

Pattern of wave height changes around of pontoon's floating breakwater

The main goal of using floating breakwaters is to provide a sheltered area of calm water in a coastal zone. In the present research, for analyzing the hydrodynamic modeling of pontoon floating breakwaters, the AQWA module of ANSYS was selected. The main parameters that have been considered in this research are the patterns of significant wave height, wave period, and draft and the width of floating pontoons. Wave transmission coefficient can be obtained from water surface changes in any point of the leeward. Results of the numerical modeling demonstrate that a pontoon floating breakwater with a relative width of greater than 0.4 has an appropriate performance. Also, it has been found that the transmission coefficient of pontoon floating breakwaters will be in the range of 0.35 to 0.60 if the relative wave period changes in the range of 1.5 to 4

Virtual Electrode Recording Tool for EXtracellular potentials (VERTEX): Comparing multi-electrode recordings from simulated and biological mammalian cortical tissue

Local field potentials (LFPs) sampled with extracellular electrodes are frequently used as a measure of population neuronal activity. However, relating such measurements to underlying neuronal behaviour and connectivity is non-trivial. To help study this link, we developed the Virtual Electrode Recording Tool for EXtracellular potentials (VERTEX). We first identified a reduced neuron model that retained the spatial and frequency filtering characteristics of extracellular potentials from neocortical neurons. We then developed VERTEX as an easy-to-use Matlab tool for simulating LFPs from large populations (>100 000 neurons). A VERTEX-based simulation successfully reproduced features of the LFPs from an in vitro multi-electrode array recording of macaque neocortical tissue. Our model, with virtual electrodes placed anywhere in 3D, allows direct comparisons with the in vitro recording setup. We envisage that VERTEX will stimulate experimentalists, clinicians, and computational neuroscientists to use models to understand the mechanisms underlying measured brain dynamics in health and disease.Comment: appears in Brain Struct Funct 201