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Fintech et seniors Sud-Coréens : une étude des facteurs d’acceptation
No full textInternational audienceCette recherche a pour but d'explorer les facteurs d'acceptation de la Fintech chez les seniors. Différents courants théoriques traitent les variables qui influencent l'acceptation des innovations technologiques. Le modèle choisi au niveau de cette étude est inspiré du modèle d'acceptation de la technologie (MAT ou, plus fréquemment, TAM pour Technology Acceptance Model). Notre modèle inclut les variables de l'utilité perçue, de la facilité d'utilisation, de l'accessibilité, du coût d'accès, de l'esprit d'innovation et de l'incertitude. La validation empirique du modèle a été réalisée à l'aide des méthodes d'équations structurelles sur un échantillon de 457 adultes coréens. Une analyse statistique a été réalisée par les logiciels SPSS 23.0 et AMOS 18. Nos résultats montrent que l'acceptation de la Fintech par les seniors est influencée par l'utilité perçue, la facilité d'utilisation, l'esprit d'innovation et l'incertitude. Toutefois, l'accessibilité et le coût d'accès n'ont pas une influence statistiquement significative sur l'intention d'utilisation de la Fintech. Cette étude a des implications pour les Fintech puisqu'elle peut leur permettre d'adapter leurs solutions à ce segment du marché voire de développer des produits adaptés à cette population (assurance vie en ligne, solutions de gestion de patrimoine et de succession…)
Does Asset Encumbrance Affect Bank Risk? Evidence from Covered Bonds
No full textInternational audienceTheories suggest that asset encumbrance, the ring-fencing of certain assets for protected debtholders, can affect banks' risk-taking and lead to funding instability. We test these hypotheses using a unique, hand-collected dataset on outstanding covered bonds issued by a sample of listed European banks. Our results suggest that the effect of asset encumbrance on risk depends on the proportion of debtholders exerting market discipline and on the bank's liquidity buffers. We deal with concerns regarding omitted variables and reverse causality using several fixed effects estimations and an instrumental variables approach. Our findings can alert policymakers about potential side effects of policy interventions that can induce an increase of asset encumbrance in banks
Clean labeling: Is it about the presence of benefits or the absence of detriments? Consumer response to personal care claims
No full textInternational audienceThe personal care industry is gradually shifting its promises toward health and environment-based messages, promoting either the addition of beneficial ingredients or processes or the removal of potentially deleterious additives or procedures. However, prior research has failed to encapsulate and organize the plethora of claims and to link consumer concerns, knowledge, and the influence of prosocial norms to attitude and purchase intention. This study examines the impact of absence- and presence-framed claims referring either to health or environmental friendliness on attitude and behavioral intention toward personal care products. It also explores differences in consumer profiles (concerning health, the environment, appearance, peer pressure, or disparate levels of front-of-package literacy). Using a framework based on Ajzen (1985) theory of planned behavior enriched with variables such as personal altruistic and egoistic concerns, claim credibility, and attitude, this study shows the superiority of absence-versus presence-framed claims for health and environment-based messages. Both claims pertaining to the environment and to health generate a positive attitude and are powerful in further converting it into buying intention
When the Right Thing to Do Is Also the Wrong Thing: Moral Sensemaking of Responsible Business Behavior During the COVID-19 Crisis
No full textInternational audienceThis study examines how individual members of the public make moral sense of the potentially conflicting “economic problem” or “public health problem” representations of the COVID-19 crisis when judging responsible business behavior. The data are based on a qualitative survey involving a thought experiment with 119 participants in the United States conducted at the initial stage of the pandemic. This article proposes a typology matrix using the theories of cognitive polyphasia and cognitive dissonance to understand better individual moral sensemaking of responsible business behavior in the context of a societal paradox in which there are contradictory and interdependent demands between important social objectives. The typology, referred to as the 4R Model of Moral Sensemaking of Competing Social Problems, provides insights for how companies may be perceived when responding to competing social problems, expanding the micro-CSR (corporate social responsibility) and paradox literatures
Disclosure decisions and the moderating effects of privacy feedback and choice
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En quête d’hétérotopie. La zad de Notre-Dame-des-Landes et la prison
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Investor heterogeneity and negative skewness in stock returns: Evidence from institutional investors
No full textInternational audienceWe examine the relation between the probability of future stock price crash and investors’ investment horizons. Using negative skewness as a proxy for firm-specific crash risk, we document a positive association between institutional ownership and stock price crash risk. The relation is, however, driven by short-term institutional investors, while the presence of long-term institutional investors has a negative effect on stock price crash risk. In addition, we find that the presence of short-term institutional investors induces corporate risk-taking behavior. Our results are robust to alternative model specifications, endogeneity concerns, and different measures of crash risk and proxies of investors’ horizons
Guest editorial: SBM Special Issue EURAM 2021 Conference - reshaping capitalism for a sustainable world - best papers from the Managing Sport SIG
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“YOU POST, I TRAVEL.” Bloggers' credibility, digital engagement, and travelers' behavioral intention: The mediating role of hedonic and utilitarian motivations
No full textInternational audienceBloggers are becoming increasingly relevant in consumers' decisions, particularly travel decisions. This study has investigated the influence of bloggers across cultures and from different theoretical perspectives. Drawing upon source credibility, uses and gratification theory, and content engagement constructs, we propose an integrated model of bloggers' influence investigating the role of credibility, motivations and engagement in the information adoption process of travel blog readers. Results from a survey of Italian and American consumers show that blogger credibility positively influences hedonic and utilitarian motivations to read a blogger post, but it does not affect digital engagement. Further, hedonic and utilitarian motivations significantly affect blog engagement (utilitarian motivation's influence not significant in the Italian sample), which, in turn, positively influences both continued use and electronic word of mouth (eWOM). Moreover, continued use influences information adoption in both samples. The study contributes to knowledge about the interplay between source credibility, utilitarian and hedonic motivations, and engagement on consumers' intentions (i.e., information adoption, eWOM, continued use) in the context of blogging