Die Policy Note analysiert und vergleicht Elektrizitätspreise für gewerbliche und industrielle Kunden in Europa seit 2007. Historisch betrachtet zählten die Nettopreise für gewerbliche und industrielle Kunden in Österreich zu den niedrigeren in Europa. Jedoch änderte sich diese Situation...

Disadvantaged or minority customers are always vulnerable to discriminatory treatment by service employees. Discrimination against minority customers has become a frequent headline in the news. The main objective of this research is to construct a model that explains the relationship between...

We exploit anonymized administrative data provided by a major fintech platform to investigate whether using alternative data to assess borrowers' creditworthiness results in broader credit access. Comparing actual outcomes of the fintech platform's model to counterfactual outcomes based on a...

Firms invest heavily in customer capital, and such investment is a main source of intangible capital value. This study measures investment in customer capital using sales and marketing expense from income statements, information on salaries paid to workers in sales and marketing, and text from...

We study the relation between bank funding costs and the financial sophistication of bank customers. In doing this, we make use of a natural experiment that allows us to identify banks that--either intentionally or unintentionally--price time deposits in a way that can result in...

1.Importance of a Meaningful Mission 2.Relentless Passion 3. Prosperity Mindset 4. Additional Aspects of a Prosperity Mindset5. Love and Business Activities 6. Stakeholders and Love 7. Loving Ways to Relate to Stakeholders 8. Natural Conversations with Stakeholders 9. The Use of Positive...

Platforms that intermediate trades, such as Amazon, Airbnb, and eBay play a regulatory role in deciding how to govern the marketplaces they create. We propose a framework to analyze a platform's non-price governance designs and its incentive to act in a welfare-enhancing manner. We show that the...

Who does, and who should initiate costly certification by a third party under asymmetric quality information, the buyer or the seller? Our answer - the seller - follows from a nontrivial analysis revealing a clear intuition. Buyer-induced certification acts as an inspection device,...

Zum Werk Das Werk bietet eine systematische und praxisbezogene Darstellung der zivilrechtlichen, steuerrechtlichen und europarechtlichen Fragestellungen rund um die Themen Verwahrentgelt und Negativzinsen im Verhältnis der Kreditinstitute zu ihren Kunden. In diesem Bereich sind noch viele...

Ways We Seek to Understand -- Customers Don't Know What They Want -- Data as a Security Blanket -- The Influence of Mindsets -- Customer Centricity vs Customer Ownership -- The Impact of Company Culture -- Customer Action Learning -- Shifting Mindsets to Discover Unspoken Needs -- Monetizing...

"This book focuses on the Base of the Pyramid (BOP) in Latin America and examines the role of the markets in serving low-income populations as consumers, distributors and entrepreneurs. Deep inequalities, violence and urbanization characterize the region. Despite the reduction of poverty...

Banken, Versicherungen, Finanzmakler und alle in der Finanzberatung tätigen Personen unterstützen die Privatkundschaft bei der Geldanlage und dem Kapitalaufbau. Das Buch bietet eine aktualisierte, korrigierte und inhaltlich bewährte Einführung in die Vermögensverwaltung. Die drei Teile...

Despite broad statutory language authorizing “any person” injured by an antitrust law violation to sue for damages, the Supreme Court of the United States has construed that language to bar antitrust damages claims by indirect purchasers, such as consumers two or more steps removed from...

Das Temperament Sales Modell: unschlagbar klar und einfach -- Die Vorbereitung: Rituale und der Umgang mit Niederlagen -- Der Termin: Bedarfsanalyse, Präsentation, Angebot, Preisverhandlung -- Die Nachbereitung: Nachfolgegespräch, Abschluss und die Chance im Nein des Kunden. .