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Modelling time and vintage variability in retail credit portfolios: the decomposition approach
Age-period-cohort default Exogeneous EMV model Forecasting Macroeco-nomic Statistical model Vintage
2013/6/14
In this paper, we consider the problem of modelling historical data on retail credit portfolio performance, with a view to forecasting future performance, and facilitating strategic decision making. W...
DIMENSIONS OF TRUST AND TRUSTWORTHINESS IN RETAIL BANKING: EVIDENCE FROM INDIA
identify dimensions of trust trustworthiness and their impact bank customers enhancing trust
2011/10/29
The purpose of this paper is to identify dimensions of trust and trustworthiness and their impact on the overall level of trustworthiness and customers' trust in Indian retail banking. Using data from...
Racial Bias in the Manager-Employee Relationship: An Analysis of Quits, Dismissals, and Promotions at a Large Retail Firm
Racial Bias Manager-Employee Relationship Dismissals Promotions Large Retail Firm
2016/3/8
Using data from a large U.S. retail firm, we examine how racial matches between managers and their employees affect rates of employee quits, dismissals, and promotions. We exploit changes in managemen...
Paradoxes and Technology Adoption: A Retail Banking Analysis
Paradoxes and Technology Adoption A Retail Banking Analysis
2010/1/15
The study reported in this paper explores consumers’ experiences with technology-assisted service encounters by investigating the applicability of Mick and Fournier’s paradoxes of technology adoption ...
The Retail Shopping Experience for Low-Literate Consumers
The Retail Shopping Experience Low-Literate Consumers
2010/1/15
With the lack of research on low-literate consumer shopping behavior in retail settings, retailing decisions are likely to be based on implicit assumptions about literate consumer behavior. In turn, t...
A BEHAVIORAL COMPARISON OF FINANCIAL RATIOS FOR DIFFERENT SIZE PRIVATELY-HELD RETAIL AND SERVICE BUSINESSES
small business ratios retail service financial analysis entrepreneurship
2009/11/30
An analysis was conducted to evaluate the cross-sectional variations of financial
ratios among different size private companies. The study examines four ratio
categories for the retail and servic...
Validation Of Key Relationships In An Extended Service-Profit Chain Model In The South Africa Retail Industry Context
Key Relationships Extended Conceptual Model Questionnaires
2009/5/18
The purpose of the study was to evaluate an extended conceptual model depicting hypothesised relationships between employee climate, customer value and financial performance. Questionnaires assessing ...
A spiritual audit of a retail branch in a South African Bank
spiritual spiritual at work spiritual audit spiritual fulfilment spiritual workplace
2009/5/8
The purpose of this study was to investigate whether or not employees in a branch of one of the leading South African Banks are spiritually fulfilled at work, whilst living the values of the bank. The...
The conference focuses on the crucial linkage between wholesale and retail markets. We think of the market structure as a triangle with three key elements °(TM) regulatory policy, prices, and technolo...
There is a curious divergence between the debate over how to provide access and price transmission services, and the real source of the bulk of transmission revenues. The fact is that a small compon...
The Retail Shopping Experience for Low-Literate Consumers
Shopping Experience Low-Literate Consumers
2011/6/9
With the lack of research on low-literate consumer shopping behavior in retail settings, retailing
decisions are likely to be based on implicit assumptions about literate consumer behavior. In
turn,...
13 March 2007，Seasonally adjusted total retail sales increased 0.5 percent in January 2007, Statistics New Zealand said today. This increase was the result of a 1.0 percent rise in the core retailing ...
Paradoxes and Technology Adoption: A Retail Banking Analysis
Paradoxes Technology Adoption Retail Banking Analysis
2011/6/9
The study reported in this paper explores consumers’ experiences
with technology-assisted service encounters by investigating the
applicability of Mick and Fournier’s paradoxes of technology
adopti...