Self-service technologies (SSTs) are systems that enable customers to independently access banking services at a time and place of their choosing. Such technologies have been widely incorporated into banking logistical systems to increase the geographical coverage, reduce labor costs and provide customers with a better service, thereby enhancing their satisfaction and loyalty. The fundamental aim of this research is to propose and examine a conceptual model that best explains the key factors influencing Jordanian customers' intentions and usage of SST banking channels: Internet banking, Mobile banking, and Telebanking. The conceptual model proposed was based on the Unified Theory of Acceptance and Use of Technology (UTAUT2). This was extended by adding perceived risk as an external factor. A quantitative approach was selected and data gathered from 348 bank customers was analyzed through Structural equation modelling (SEM) was conducted using AMOS 21. The results show that behavioral intention is significantly influenced by performance expectancy, hedonic motivation, price value and perceived risk; however, social influences do not have a significant influence on behavioral intention. This study makes an important contribution by applying UTAUT2 to examine new technology (SSTs) in a new context (Jordan).

This study examines the impact of Social Media Advertising Content (SMAC) and Social Media Sales Promotion Content (SMSPC) on Brand Image (BI) and customer behavior (CB) within the emergent context of container food courts in Indonesia. Focusing on Jakarta and Surabaya, which are cities at the forefront of culinary innovation, this study aims to uncover how digital marketing practices shape consumer perceptions and behaviors in this novel sector. The study employed rigorous methodology, including G*Power for sample size determination and SmartPLS for data analysis, and engaged 292 participants through a carefully designed survey. The findings indicated significant relationships between SMAC and SMSPC on BI, and subsequently on CB, underscoring the critical role of social media content in enhancing BI and shaping CB. Additionally, this study examines the generational differences between Generation Y and Generation Z, offering insights into tailored marketing strategies that cater to their distinct preferences. This study enriches academic discourse on the impact of digital marketing in the food industry and provides practical recommendations for practitioners aiming to leverage social media to enhance BI and foster positive CB in container food courts. The insights gained from this study not only illuminate the dynamics of social media marketing in an Indonesian context but also suggest avenues for future research in an ever-evolving digital landscape.

Guaranteed interest is crucial in financial systems, boosting depositor confidence and impacting bank risk. The discussion about guaranteed interest has been thorough, focusing on the reassurance it provides to depositors and the risks it brings. Although it prevents bank running, it can also make depositors too relaxed, potentially causing future crises. Previous research has focused on established guaranteed interest schemes, but there is still a gap in understanding the impact of introducing guaranteed interest during a crisis. This paper explores the relationship between guaranteed interest and managerial behavior, customers, and performance of conventional and Islamic banking. The research design uses existing statistics, with data obtained from the publications of the Financial Services Authority and Bank Indonesia. The analysis uses VAR/VECM models, with results showing that the movement of guaranteed interest rates (both rupiah and foreign currency) has a dominant impact on conventional banking compared to Islamic banking, both on bank managerial behavior, customer behavior, and the performance of the bank itself. Specifically, the movement of the guaranteed interest will trigger the management of conventional banks to increase loan interest, while from the customer side they will ask for a higher yield (interest) on third part funds (TPF). As a result, these two things will lead to a negative outcome on the performance of the bank itself, especially on Net Interest Margin (NIM), Return on Assets (ROA), Operational Expenditure to Operational Income (BOPO), and Loan to Deposit Ratio (LDR). In Islamic banks, the movement of the guaranteed interest also has an impact on the managerial behavior of the bank, customer behavior, and the performance of the bank itself, but the effect of the movement of the guaranteed interest is only small. Most of the growth in credit and deposits, fluctuations in financing margins and returns on deposits and dominant Islamic Financial Performance for Banking indicators are explained by factors other than movements in guaranteed interest rates.

The purpose of this study is to investigate the moderating role of digital marketing strategies on innovation through Artificial Intelligence (AI) mediating impact in Small and Medium Enterprises within Saudi Arabia. Advanced analytics tools analyzed data from KSA SMEs to establish the role of AI, customer behavior, and experiences in product and process innovation. Artificial intelligence boosts product and process innovation with unconventional customer knowledge. Integrating AI combined with digital marketing to improve decisions and efficiency, to increase understanding of customer dynamics for sustaining growth and promoting collaborations. Using AI-empowered digital marketing strengthens Saudi SMEs advancement by promptly reacting to market motions. Sustainability practices attract the environmentally conscious consumer. This research provides actionable insights for SMEs who want to employ digital marketing and AI strategies and contribute to building an economic environment in Saudi Arabia.

The development of the internet has influenced the development of the world economy. Various buying and selling transactions that previously could only be done face-to-face, have now developed into transactions via the internet known as e-business or e-commerce. The hotel room online booking system was created to make it easier for consumers to book rooms 24 hours a day. With the availability of the online booking feature, consumers can access hotel information in detail and more transparently, besides that, consumers can also see reviews which can be used as their consideration in choosing hotels and planning holidays. Traveloka's significant development as an Indonesian online travel agent unicorn plays an important role in accelerating the growth rate of the online travel ecosystem, especially for the domestic market. There are many factors that must be examined in finding information, placing orders, and purchasing online. Therefore, this research is focused on online booking behavior. This study aims to determine the influence between variables based on Theory of Planned Behavior, which consists of attitude toward the online booking behavior, subjective norm, perceived behavioral control, online booking intention and online booking behavior at Traveloka. Data was collected from 133 respondents of domestic tourists who have made online bookings at Traveloka. Data were analyzed using Partial Least Square (PLS) statistics with the Smart PLS 3.0 M3 program to determine the complexity of the relationship between latent variables and their indicators. The results of this study indicate that attitude toward the behavior and subjective norms have a positive and significant effect on online booking intention. Meanwhile, perceived behavioral control has no significant effect on online booking intention. Another finding is that online booking intention and perceived behavioral control are known to have a positive and significant effect on online booking behavior. Traveloka management and marketers are also expected to be able to use the results of this research to evaluate and take corrective action on aspects that are deemed inadequate and manage the ease of use of the application to increase online booking intentions through the Traveloka application.

During the financial crisis of 2007, many businesses and banks faced unexpected circumstances and declared bankruptcy. Market mortgage crisis and the collapse of the economic system in United States created a substantial amount of damage in world economy. Within a few years, the economic downturn was transferred to developing countries such as Iran. The recession has created conditions for Iranian companies that have led them to focus more on the subject of advertising since this is the primary tool of communication and business customers business. Success and failure of many organizations and companies depend on their advertisement planning. In this study, the factors contributing to the success and effectiveness of advertising during the recession time are identified. This survey has been accomplished on investigating an Iranian dairy firm named “Kalle”. Using a questionnaire in Likert scale, the study determines the effects of various factors of advertisement on sales improvement in this firm using Pearson correlation ratio and rank them based on Freedman test. Cronbach alpha has been calculated as 0.93. According to the results, factors that contribute to the success of advertising during a recession include: Responsiveness to customers’ needs, advertising tools, content factors, the amount of money spent and availability.

An increase on competition industry from one side and the need for customer retention on the other side in banking industry create necessary motivation to learn more about customer behavior. This paper investigated the relationship between seven perspectives of banking services and customers’ attitude towards changing behavior. The seven perspectives included how bank employees’ treat customers, service prices, how to promote and market synergies, place and time to serve customers, products, equipment and process. The proposed study was implemented in two Iranian banks called Mellat and Tejarat in city of Tehran, Iran. The results indicated that all components except one case, which was “how to promote and market synergies” had meaningful and negative relationship with customer behavior.

The recent advances in technology have created a challenge for customer on purchasing electronic devises since the cycle of media production such as TV, Mobile devices, etc. are getting short and people need to replace them by new products. The recent emerge of Light Emitting Diode (LED) television has attracted many people and there is a concern to study the impact of important factors on customer behavior in this business. This paper presents an empirical study to study the effects of six variables including customer perception, motivation, cognitive learning, attitude, information and price on customer behavior for LED televisions produced by an Iranian firm in Tehran, Iran. The study designs a questionnaire consists of 27 questions and distributes it among some people who are potential customers of this product. We use multiple regression analysis to study the behavior of different factors on customer behavior. The results of our survey indicate that cognitive learning had the most influencing impact (0.22) on customer behavior followed by price (0.219), motivation (0.203), attitude (0.193), information (0.183) and perception (0.145).

One of the most important issues in increasing customers & apos; needs is to increase the quality of services through providing better quality services. Customer satisfaction is one of the primary requirements to meet people & apos; s needs and to have an efficient customer relationship management (CRM) we need to detect the most important factors influencing efficiency and effectiveness in banking industry. In this paper, we present an empirical study to detect these factors in one of private banks in Iran. The proposed study of this paper tries to reach three objectives. We first detect important factors, which build customers & apos; perception towards CRM, then we detect all influencing factors, which impact CRM, and finally, we evaluate the impact of CRM towards brand equity. The proposed study first designs a questionnaire and distributes it among 386 customers. Using structural equation modeling and certified factor analysis, we analyze the results. The results indicate that three factors including information, employee job behavior and suggestions and other factor have meaningful impact on customer brand equity. However, the impact of equipment on customer brand equity was not meaningful.