The aim of this study is to examine if there are any factors that influence young Swedish consumers' willingness to participate in the cross-border e-commerce market. Another aim is to examine the perceived risks associated with e-commerce in Sweden and overseas. The authors generated ten hypotheses to test this. The authors employed a quantitative approach and sent a survey to 162 people, with questions based on applicable theories, to investigate if there are factors that affect young Swedish consumers when they transact on the cross-border e-commerce market. The questions were sent through the authors’ social media. The findings suggest that seven factors influence young Swedish consumers’ decision-making when conducting cross-border e-commerce. Furthermore, the findings show that these factors have an impact on young Swedish customers, such as opinions from friends and family, perceived risk, loyalty to their own country, all of which affect when young Swedish consumers opt to use the cross-border e-commerce market.

The purpose of our research is to empirically test how system attributes of blockchain build trust through system and information components in blockchain food traceability systems. Findings showed that system attributes of blockchain are strong predictors of trust leading to intention to purchase. A sample of 358 responses were collected from college students through online survey. SmartPLS 3.0 is adopted for data analysis. We made contributions by building a new research model to guide future studies on trust formation in blockchain based systems as well as informing practice to adopt proven features of blockchain to create and capture values for customers.

This thesis attempts to analyze the factors that affect the behavioral intentiontowards purchasing apparels through the Internet. A combination of TechnologyAcceptance Model and Theory of Planned Behavior along with constructs of Trustand Perceived Risk was chosen as the basis of framework for this study to explainhow online consumers behave while purchasing garments online and to illustrate thestrength of the relationship between consumers intention and constructs of attitude,Perceived Usefulness, Perceived Ease of Use, Subjective Norms, PerceivedBehavioral Control, Perceived Risk, and Trust. A pilot study along with severalinterviews was conducted to create a basis for the final questionnaire, which led to thedata gathered from 347 people of Iranian society. The measures and hypotheses wereanalyzed using Multiple Regression analysis. Results demonstrated crucial effect ofvariables such as social factors, Perceived Behavioral Control, Attitude, PerceivedRisk, and Trust on people’s behavioral intention towards shopping garments online.Furthermore, the implications of the findings for theory and practice are discussed andrelevant conclusions have been mentioned. / <p>Validerat; 20150827 (marikav)</p>

Bakgrund: Bakgrunden presenterar digitaliseringens utveckling och jämför det med media som tidigare varit analogt. Därefter redogörs för utvecklingen av automatiserade finansiella rådgivare och de utvecklingsstadier det genomgått. I samband med utvecklingen påträffas olika aspekter hos unga småsparare som påverkar förtroendet som övergången från att använda mänskliga finansiella rådgivare till robotrådgivare. Syftet: Syftet med uppsatsen är att undersöka hur företag inom fondförsäljning och aktiemäklarbanker kan nyttja robotrådgivningstjänster bland unga småsparare. Undersökningen fokuserar främst på aspekterna informationsspridning och riskupplevelse.  Teoretisk referensram: Denna studie utgår från tre olika teorier, vilka omfattar Unified theory of acceptance and use of technology, Theory of perceived risk och Innovation Diffusion Theory. Metod: Studien utför en kvantitativ ansats genom en tvärsnittsdesign. Urvalsramen inkluderar unga vuxna som är 18 till 30 år. Datainsamlingen genomfördes via sociala medier och skolplattformar, och totalt deltog 151 unga högskolestudenter i enkätundersökningen.  Slutsats: Utifrån resultaten förekommer det en positiv korrelation mellan användningen och riskupplevelsen, vilket gör att robotrådgivare har en möjlighet att attrahera unga vuxna till segmentet.

Information seeking and information avoidance are the mechanisms humans natural used for coping with uncertainties and adapting to environmental stressors. Uncertainties are rooted in knowledge gaps. In social sciences, the relationship between knowledge gaps and perceived risk have received little attention. A review of the information science literature suggests that few studies have been devoted to the investigation of the role of this relationship in motivating information-seeking behavior. As an effort to address the lack of theory building in the field of information science, this study attempts to construct a model of information seeking under risk (MISR) by examining the relationships among perceived risk, knowledge gap, fear arousal, risk propensity, personal relevance, and deprivation and interest curiosity as antecedents to motivation to seek information. An experimental approach and a scenario-based survey method are employed to design the study. Partial least square structural equation modeling (PLS-SEM) analysis was conducted to test the relationships in the proposed model. Perceived risk was found to be a highly significant predictor of information seeking in moderately high-risk situations. Similarly, personal relevant has a significant negative effect on perceived risk and its interaction with knowledge gap motivates information seeking.

Yes / Drawing on distinct German institutional characteristics related to cultural, legal, financial, and regulatory features, this paper investigates the extent to which environmental incentives influence German non-financial firms in revealing risk information in their annual report narratives. The paper also examines whether risk-related disclosure (aggregate risk reporting and the tone of news about risk) is useful by investigating its impact on market liquidity and investor-perceived risk. We find that the decision to provide or withhold such risk information is less likely to be significantly associated with environmental incentives. Among those incentives, we find that German firms are significantly influenced by their underlying risks rather than other factors including ownership structure, capital structure, external equity finance, and borrowing. The decision to disclose is likely to be influenced by the size of the firm and whether or not it produces lengthy annual reports. The results also suggest that the impact of aggregate risk reporting levels was not observable until a distinction was made between bad and good news about risk. Specifically, we find that the German market tends to positively (negatively) price good (bad) news about risk by either improving (worsening) market liquidity through removing (creating) information asymmetries, or reducing (increasing) investor-perceived risk.

本研究透過永續發展三重盈餘理論，以虛擬故事法設計問卷，針對金融業永續發展進行研究消費者對於其企業形象、個人及企業購買意願與知覺風險四構面的影響。 本研究針對各校企業管理研究所碩士生客群為抽樣對象，共收集有效問卷225份，並利用結構方程模式檢驗研究假說。研究結果歸納如下： 1.金融業永續發展對企業形象有正向影響關係，社會面及環境面表現是關鍵因素。 2.金融業永續發展對個人購買意願、企業購買意願與知覺風險有正向影響關係，經濟面表現是關鍵因素。 3.永續教育非為讓受試者更重視各構面社會及環境面向的關鍵要素。 透過文獻回顧與資料分析實證研究，本研究的研究貢獻如下： 1.以往文獻較少探討金融業永續發展對於消費者行為的議題，僅有是以企業社會責任為基礎的情況下探討，本研究透過永續發展理論，釐清與企業社會責任關係，針對金融業進行研究消費者行為相關議題。 2.實證金融業永續發展對於企業形象、個人購買意願、企業購買意願及知覺風險有正向的影響效果，並發現影響各構面的關係面向因素。 3.實證受試者接受永續教育及對永續認知的多寡與各構面的關係。 4.研究對象為各校就讀企業管理研究所學生，此群學生對於永續發展議題的觀點對於未來金融業發展永續作為相關實務有其參考價值。 / The research is a study of Corporate Image, Personal Purchasing Intention, Enterprise Purchasing Intention and Perceived Risk based on the sustainable development theory - Triple Bottom Line through the scenario approach to design the questionnaire. The study collected 225 valid questionnaires from students who are major in business administration in master degree and took advantage of SEM to verify research hypotheses. Results and discussions are concluded below： 1.The sustainable development of the financial industry has a positive impact on Corporate Image. Social and Environmental aspects performance are the key factor. 2.The sustainable development of the financial industry has a positive impact on Personal Purchasing Intention, Enterprise Purchasing Intention and Perceived Risk. Economic aspects performance is the key factor. 3.Thera are not having positive result on through sustainable education can let the subjects pay more attention to Social and Environmental aspects performance. Through analysis of empirical research and literature review, research contributions of this study are concluded below： 1.Past researches few investigated the case of the financial sector for sustainable development issues in consumer behavior and most of researches are based on corporate social responsibility. Therefore, this study clarifies the relationship between corporate social responsibility and studies cusomers behavior issues through sustainable development theory. 2.Through the Empirical Study, found that the sustainable development of the financial industry has a positive impact on Corporate Image, Personal Purchasing Intention, Enterprise Purchasing Intention and Perceived Risk and further found the relationships between various aspects (Economic, Social and Environmental). 3.Through the Empirical Study, found the relationships among sustainable education, awareness of sustainable development and various aspects. 4.This reasarch, target group are students study for MBA, can apply financial institutes for some pratical reference value when financial institutes want to do the sustainable development.

O objetivo deste estudo é investigar, de forma comparativa entre as categorias alimento e limpeza doméstica, os antecedentes da intenção do consumidor comprar marcas próprias, bem como analisar os efeitos da diferença nos níveis de risco percebido entre essas duas categorias de produtos na formação da intenção de compra. Para o alcance desse objetivo construiu-se um modelo com base em revisões da literatura sobre marcas próprias, bem como sobre risco percebido, imagem da loja, imagem da marca própria e atitudes, construtos identificados como os principais preditores da intenção de compra. O marco teórico permitiu a construção de hipóteses acerca dos principais relacionamentos existentes entre esses construtos no contexto de marcas próprias. A seguir foi realizada uma pesquisa empírica com o objetivo de testar tais hipóteses, utilizando um questionário auto-administrado elaborado com escalas já validadas na literatura. Esse levantamento de campo (survey) coletou opiniões de uma amostra não probabilística de 1.938 clientes de supermercados, composta por pessoas de ambos os gêneros e provenientes de 26 Estados do Brasil e do Distrito Federal, com predominância do Estado de São Paulo. Os resultados obtidos por meio de modelagem de equações estruturais utilizando a ferramenta Smart PLS demonstram que há relacionamentos significativos entre o risco percebido e a imagem da marca própria; entre a imagem da loja e imagem da marca própria; entre a imagem da marca própria e a atitude; e entre a atitude e a intenção de compra, validando as hipóteses de trabalho. O estudo também conclui que o risco percebido e a imagem da loja são fortes preditores da imagem da marca própria e da atitude a qual, por sua vez, é uma forte preditora da intenção de compra. Por fim, os resultados sugerem que a imagem da loja exerce maior influência na imagem da marca própria quando se trata da categoria alimentos, identificada como de menor risco percebido. Já na categoria limpeza doméstica, a cadeia mais relevante de antecedentes à intenção de compra por parte dos consumidores passa pelas relações entre risco percebido, imagem da marca e atitude frente a marcas próprias. Essas conclusões sugerem diferenças de intensidade, senão em natureza, nas relações entre os antecedentes psicológicos à intenção de compra do consumidor quando são consideradas categorias que se diferenciam no risco percebido pelo cliente, contribuindo para uma melhor compreensão teórica do fenômeno e sugerindo implicações gerenciais na adoção de estratégias de marketing por parte dos varejistas detentores de marcas próprias. / This study aims to investigate the antecedents of consumer´s intention to purchase private brands and analyze the effects of different perceived risk levels in intention formation by comparing food and house cleaning product categories. To attain to such goal a model was developed based on literature reviews about private brands, as well as perceived risk, store image, brand image, and attitudes, constructs identified as the main predictors for purchase intention. The theoretical framework allowed the construction of hypotheses about the key relationships among the constructs in the context of private brands. A survey was then designed and executed in order to test the hypotheses. A self-administered questionnaire was build with validated scales found in marketing literature. The empirical study collected opinions from a non-probabilistic sample of 1,938 private brands supermarket shoppers, comprising persons of both genders and from all 26 Brazilian states and the Federal District, predominating residents in the state of São Paulo. Results obtained by Structural Equation Modeling using Smart PLS suggest there are significant relationships between perceived risk and private brand image; between store image and brand image; between private brand image and attitude; and between attitude and purchase intention, validating the proposed hypotheses. The study also concluded that perceived risk and store image are strong predictors for private brand image and attitude which, in turn, is a strong predictor for purchase intention. Finally, results suggest that store image has more influence on private brand image when food products are the focused category as consumers present lower perceived risk toward it. For house cleaning products, the most relevant antecedents for consumer´s purchase intention form a chain of relations from perceived risk, brand image and attitude towards private labels. These findings suggest differences in intensity, if not in nature, on the relations among consumer´s psychological antecedents for purchase intention when categories that differ on perceived risk are considered. Such findings contribute to a better theoretical understanding of the phenomenon and suggest managerial implications for marketing strategies to retailers who hold private brands.

住宅選擇是每一個家戶都會面臨到的問題，過去文獻發現購屋者先選擇租屋或購屋，若決定購屋，則先決定於何區位購屋，然後再決定購買何種房屋類型之房屋，然而卻未曾提及購屋者於不同市場類型住宅間之選擇。預售屋、新成屋以及中古屋等不同市場類型之住宅，各自隱含不同的效用及風險，影響著購屋者之選擇，因此本研究試圖討論購屋者於不同市場類型住宅間之選擇與偏好。 本研究採用內政部營建署「住宅需求動向調查」資料，利用混合多項羅吉特模型探討不同限制條件下，預售屋、新成屋與中古屋之個體選擇行為。實證結果顯示，投資者較偏好於購買知覺風險較高之預售屋，期待以高知覺風險換取高的報酬；教育程度較高者，因對居住品質要求愈高，因此傾向於選擇設備新穎之預售屋與新成屋；家戶平均月所得較高之購屋者，負擔能力較高，因此選擇總價較高之預售屋機率較高，其次為新成屋。此外，搜尋頻率愈高者，選擇預售屋之機率愈高，因預售屋無實體存在，預售屋購屋者為降低其知覺風險，將花費更高之搜尋成本。在價格彈性分析部分，實證結果顯示預售屋之競爭力最高，但預售屋之受衝擊力亦最高，而中古屋之競爭力於三種市場類型中居次，但中古屋衝擊力最小，因此，當單價屬性發生變動時，較不影響中古屋購屋者之選擇，但卻大幅影響預售屋購屋者之選擇機率。 / Every household would face housing choice, the past housing choice study founded that households decided tenure choice first, if they decides to buy a house, they first decided on what location, and then decided what type of housing to buy, but it has not been mentioned the housing choice among different residential market types. Pre-sale houses, newly constructed houses and existing houses implied different effectiveness and risks, affecting the choice of homebuyers. This article tried to discuss homeowners’ choice among different residential market types. This study use Construction and Planning Agency, "Housing Demand Survey of 2009" data, use mixed multinomial logit model, investigated under different constraints, housing choice behavior among pre-sale houses, newly constructed houses and existing houses. The empirical results showed that investors prefer higher perceived risk in buying pre-sale housing, looking for a high perceived risk and high rewards; higher education level, due to the higher quality requirements for living, so they preferred pre-sale houses and newly constructed houses. Homebuyers which have higher average monthly household income, have more affordable ability, so the probability of choosing pre-sale houses are much higher, followed by the newly constructed houses. In addition, the higher search frequency were more likely to choose pre-sale houses because pre-sale houses for sale no physical presence, pre-sale housing homebuyers in order to reduce their perceived risk, would spend more search costs. In the price elasticity analysis, empirical results showed that the pre-sale houses had the highest competitiveness, but the impact force was also the highest, while the existing houses market, the competitiveness of the third types was the second place, and the competitiveness of the existing houses was the smallest. Thus, when a change in unit price attribute, does not affect existing houses homebuyers, but significantly affected the choice probability of pre-sale houses homebuyers.

In his assessment of the theory development within international market entry mode, Cumberland (2006) outlines the importance of devoting more attention to the research linking the theoretical level and the operational level. Other researchers have shown the performance of a firm is highly affected by its internationalisation process and selecting the right entry mode is one of the most critical managerial decisions. Despite many years of interest from researchers, the entry choice strategy area is still considered a frontier issue. Researchers have suggested that managing risk is one of the major strategic objectives for managers of multinational firms. Furthermore, risk is regarded as a key determinant in relation to entry mode choice. Research has found that the various risk variables should be regarded as an integrated measure in relation to entry mode choice and not single measures. By looking at a single risk variable, the firm might analyse the situation incorrectly, which may lead to an incorrect entry mode. This study investigates the relationship between entry mode choice, perceived risk and risk tolerance for Danish firms entering Central and Eastern Europe by using a probabilistic model. The results indicate risk should be regarded as an integrated measure in relation to entry mode. Despite not all risk variables showing significant correlation with entry mode, some relations were found. The preferred model for predicting entry mode included years of CEE experience, number of competitors, cultural difference, consumer taste and future market potential. In addition, the analysis showed that Danish firms generally are relatively risk averse. Regardless of entry mode, the analysis showed that Danish firms regard CEE as politically stable and do not see a potential risk in government involvement in their activities. Furthermore, Danish firms experience relatively high and increasing competition in CEE, however, they indicate the same methods are available for marketing in CEE as in Denmark.