Thesis (M. Phil.)--University of Hong Kong, 2007. / Title proper from title frame. Also available in printed format.

published_or_final_version / abstract / Statistics and Actuarial Science / Master / Master of Philosophy

Thesis (M. Phil.)--University of Hong Kong, 2005. / Title proper from title frame. Also available in printed format.

published_or_final_version / abstract / Statistics and Actuarial Science / Master / Master of Philosophy

Existing credibility models have mostly allowed for one source of claim dependence only, that across time for an individual insured risk or a group of homogeneous insured risks. Numerous circumstances demonstrate that this may be inadequate and insufficient. In this dissertation, we developed a two-level common effects model, based loosely on the Bayesian model, which allows for two possible sources of dependence, that across time for the same individual risk and that between risks. For the case of Normal common effects, we are able to derive explicit formulas for the credibility premium. This takes the intuitive form of a weighted average between the individual risk's claims experience, the group's claims experience and the prior mean. We also consider the use of copulas, a tool widely used in other areas of work involving dependence, in constructing credibility premiums. Specifically, we utilise copulas to model the dependence across time for an individual risk or group of homogeneous risks. We develop the construction with several well-known families of copulas and are able to derive explicit formulas for their respective conditional expectations. Whilst some recent work has been done on constructing credibility models with copulas, explicit formulas for the conditional expectations have rarely been made available. Finally, we calibrate these copula credibility models using a real data set. This data set relates to the claims experience of workers' compensation insurance by occupation over a 7-year period for a particular state in the United States. Our results show that for each occupation, claims dependence across time is indeed present. Amongst the copulas considered in our empirical analysis, the Cook-Johnson copula model is found to be the best fit for the data set used. The calibrated copula models are then used for prediction of the next period's claims. We found that the Cook-Johnson copula model gives superior predictions. Furthermore, this calibration exercise allowed us to uncover the importance of examining the nature of the data and comparing it with the characteristics of the copulas we are calibrating to.

Thesis (M. Phil.)--University of Hong Kong, 2008. / Includes bibliographical references (leaf 101-106) Also available in print.

published_or_final_version / Statistics and Actuarial Science / Master / Master of Philosophy

The growth of YouTube has resulted in the industrialization of a platform that redefines mainstream success. Success measures such as endorsements and viewership are serving as motivational factors for YouTubers. YouTubers and brands want more views, but are those motivations effecting perception? While much research has focused on the effects that YouTube has on the brand, this study focuses on the effects that the brand has on the YouTuber. It also determines whether viewership affects YouTuber perception and whether it‟s a success measure worth using. Using the constructs of the source credibility theory, this study assessed the main effect of brand endorsement and viewership on perceived expertise and trustworthiness of YouTubers. After conducting an online experiment, findings suggest that non-brand endorsed YouTubers possess higher-rated expertise and trustworthiness. While viewership did not make a difference in perceived expertise, it did result in higher-rated trustworthiness when a YouTuber possesses lower viewership.

Date:   2023-05-31 Level:   Bachelor Thesis in Business Administration, 15 cr Institution:  School of Business, Society and Engineering, Mälardalen University Authors:  Erica Kim Stenström   Isabelle Örnbratt                            (96/11/06)    (01/03/31) Title:   The Evolution of Technology and its Effect on Consumption Supervisor:  Edward Gillmore Keywords:  Consumer behavior, consumption, technology, media, marketing, source credibility theory, dual-process theory Research Question: How has the evolution of technology and media affected consumption within the fashion industry? Purpose: Due to the great shift in both online and physical consumption, the purpose of this research is to provide significant insights to already existing scientific literature on how the development of technology and media has affected consumers’ purchasing behavior. Method: A qualitative research paper with two semi-structured interviews and a random sample survey containing eleven open-ended questions. For secondary data, scientific articles and non-scientific, informational articles and websites were used.  Conclusion: The evolution of technology and media has heavily affected marketing strategies and consumer behavior. Along with this, there is a greater incentive to engage in consumerism, despite the world’s growing awareness regarding the consequences of overconsumption. Due to this, it is of great importance for businesses to assess how their decisions will make an impact on the world.

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