Article

 

FOR ENSURING RAPID-GROWTH RISK-FREE DIGITAL-BANKING IN GREEK ECONOMY: AN APPLICATION OF AKIM'S MODEL (p.13-32)

by

Akim M. RAHMAN, CANADIAN UNIVERSITY OF BANGLADESH

Saadi ISLAM, UNIVERSITY OF DHAKA, BANGLADESH

Keywords : On-the-Go banking, Digital-banking, Perceived-risk, Adverse and Advantageous selections in insurance market

JEL classification : B12, D61, D71, D78, D81, D83

Abstract

In 21st-Century business-mentality technology-driven-world, banking-services are carried-out in competitive manner that has resulted usage of digital-banking. Bank Laws in Greece contains multi-faucets provisions. Under bank-operation provisions, bank-deposits, bank-accounts are covered by Hellenic Deposit & Investment Guarantee Fund (TEKE). But bank-deposits are not insured. But in practice government intervenes to ensure that depositors do not suffer a loss. Despites rapid growth of digital-banking globally, no country has insurance in practice to cover digital-transaction. But it faces serious pitfalls being it riskiness. Customers don't read terms & conditions of services. These weaknesses cause abuses. Customer faces perceived-risk-factors. Application of Akim's model - Voluntary Insurance (VI), a new product in banking-services, can be impetus in meeting the challenges. Welfare Analyses are used as guidance for ensuring efficiency-cost of competitive pricing of insurance. Thus VI becomes appealing to parties-involved. In case of bank-service-provider, adverse selection in insurance market, welfare cost of inefficient pricing is quantitatively small and advantageous selection results the opposite.

 

 

RESEARCH ON INNOVATIVE TECHNOLOGICAL APPLICATIONS AFFECTING PEOPLE WITH DISABILITIES IN GREEK HOTEL INDUSTRY (p.33-49)

by

Nikolaos THEOCHARIS, ADVANCED SCHOOL OF TOURISM EDUCATION OF RHODES

Dimitrios LAGOS, UNIVERSITY OF THE AEGEAN

Stelios VARVARESOS, UNIVERSITY OF WEST ATTICA

Keywords : New Technologies, Innovation, People with Disabilities, Hotel, Hospitality Services

JEL classification : L83, O30

Abstract

This paper aims to explore the views of disabled people on the degree of utilization of innovative technological applications for customers with disabilities at Greek hotels, non-random sampling being the methodological framework used in the research process. Results of relevant analysis lead to a main conclusion: physically disabled people consider that there is a low degree of sufficiency in relation to the use of innovative technological applications at Greek hotels and in particular their rooms division. Indeed, it was found that there is a low frequency of use and request of innovative technological applications by people with disabilities in hotels across Greece. Moreover, the existence of specific technological innovations was identified as an important criterion for their revisit intention to a hotel.

 

 

TECHNOLOGY AND SOCIAL INEQUALITY WITHIN SMART CITIES (p.51-73)

by

Panagiota KONSTANTINOU, UNIVERSITY OF WEST ATTICA

George STATHAKIS, OPEN UNIVERSITYOF CYPRUS

Athina MOUNTZOURI, UNIVERSITY OF WEST ATTICA

Maria-Georgia NOMIKOU, UNIVERSITY OF WEST ATTICA

Keywords : Smart City, Urban Living, Digital Inequalities, Social Exclusion

JEL classification : O33

Abstract

Smart cities have many benefits in terms of human living; however, they haven't eliminated the problems of urban living. Some issues concern the residents within these cities that can affect public well-being and happiness and citizens' trust. At the same time, some voices are trying to highlight the meaning of these cities as socially constructed entities made up of activities and practices. In this sense, new criteria proposed for evaluating smart cities based on happiness, urban planning, mental health and the approach of a more humane side of cities. These approaches work in an alternative way and offer a complete understanding of the ever-evolving technology that brings about urban and social change and the redefinition of "smart cities" many times in smart cities, some groups not given importance. The search for technology and innovation can exclude a portion of citizens from their wellbeing and smooth integration into the urban and social landscape. In this study's context, questionnaires distributed to demonstrate the public perception of the ever-rising digital technology in the context of smart cities. We provide conclusions for either the digitally disabled or those who do not have access to digital equipment.

 

 

WATER ALLOCATION OF TRANSBOUNDARY RIVER: A MICROECONOMIC OPTIMAL TAX APPLICATION (p.75-90)

by

Dimitrios A. GIANNIAS, HELLENIC OPEN UNIVERSITY

Keywords : Water allocation, Optimal tax, Externalities

JEL classification : D49, D60, D69, D74, Q25, Q28

Abstract

A model is presented that incorporates both water quantity and quality aspects and a market based system is developed to characterize optimum water allocations between two regions or countries. A methodology is developed to compute the optimum tax or subsidy that could support an optimum water quantity and quality allocation in case that the relevant authorities agreed to impose in the marketplace.

 

 

THE EFFECT OF INTERNAL MARKETING ON CUSTOMER SATISFACTION TAKING INTO ACCOUNT THE SOCIAL RESPONSIBILITY OF THE ORGANIZATION (p.91-107)

by

Zahra Ramzanpour, AZAD UNIVERSITY OF BABOL, MAZANDRAN

Mehdi Roholalamini, AZAD UNIVERSITY OF BABOL, MAZANDRAN

Shahrbanoo Gholipour, AZAD UNIVERSITY OF BABOL, MAZANDRAN

Keywords : Internal Marketing, Customer Satisfaction, Organizational Social Responsibility

JEL classification : M14, M31, M39, M19, G29, G39

Abstract

The purpose of this study is to explore the mediating role of social responsibility impacts on internal marketing regarding customer satisfaction. The statistical study of population is based on the customers of the branches of Saderat Bank in Rasht. Four hundred seventeen people were selected as a sample- based evaluation on Cochran's formula based on available cluster sampling. Data collection tool was used as a standard questionnaire to analyze the data from the structural equation modeling method based on Minimal Square approach by using Smart PLS3 statistical software. Findings showed that internal marketing has a positive and significant effect on social responsibility, and social responsibility on customer satisfaction. Also, the mediating role of social responsibility which impacts on internal marketing for customer satisfaction was also confirmed. Therefore, it can be stated that by promoting social responsibility and internal marketing, the level of customer satisfaction in Rasht Saderat Bank could be improved.