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Consumer Casualties
by Junmin WanJunmin Wan takes a two prong approach to analysing this pressure in Japan in his new volume Consumer Casualties. He first clarifies the consumer preference for habit to identify useful approaches toward solving a number of economic issues, such as gambling and other addictive practices.
Consumer-Centric Category Management: How to Increase Profits by Managing Categories Based on Consumer Needs
by ACNielsen Al HellerIn some parts of the world, especially in developing markets, category management today remains a stretch goal – a new idea full of untapped potential. In other areas, the original eight-step process that emerged in the late 1980’s forms the foundation of many companies’ approach to category management. In still others, particularly in developed countries like the U.S., the U.K., and others, refinements are being made – most of them designed to place consumer understanding front and center. New ideas are emerging – from "trip management" to "aisle management" to "customer management." Whether a new descriptor emerges to replace "category management" is yet to be seen. Even if that does happen, what won’t change is the overall objective – to help retailers and their manufacturer partners succeed by offering the right selection of products that are marketed and merchandised based on a complete understanding of the consumers they are committed to serving. This book, which explores both the state of and the state-of-the-art in category management, is for everyone with a vested interest in category management. It can serve such a broad audience because category management is about bringing a structured process to how executives think and make decisions about their businesses, no matter what information and information technology they have access to.
The Consumer Co-operative Sector: International Perspectives on Strategic Renewal (Routledge Studies in International Business and the World Economy)
by John F. Wilson Anthony Webster Espen Ekberg Samuli SkurnikGlobally, consumer co-operation has experienced a difficult period since the 1970s. Large scale failures in France, Germany and Austria were accompanied by loss of market share in the UK (including the failure of the Scottish Co-operative Wholesale Society and its takeover by its English counterpart). Even in the Nordic countries, where consumer co-operation has always been more robust, new challenges from the non-co-operative sector had to be confronted. How did co-operative organizations in different countries cope with these challenges? What were the processes of strategic renewal that they undertook? How successful were they? These are the key questions that the collection will address, culminating in an analysis by the editors of the effectiveness of strategic renewal in the co-operative sector. This book is a study of strategic renewal in the consumer co-operative sector, using eleven international case-studies to demonstrate how the concept has been applied over the last fifty years.
The Consumer Co-operative Sector: International Perspectives on Strategic Renewal (Routledge Studies in International Business and the World Economy)
by John F. Wilson Anthony Webster Espen Ekberg Samuli SkurnikGlobally, consumer co-operation has experienced a difficult period since the 1970s. Large scale failures in France, Germany and Austria were accompanied by loss of market share in the UK (including the failure of the Scottish Co-operative Wholesale Society and its takeover by its English counterpart). Even in the Nordic countries, where consumer co-operation has always been more robust, new challenges from the non-co-operative sector had to be confronted. How did co-operative organizations in different countries cope with these challenges? What were the processes of strategic renewal that they undertook? How successful were they? These are the key questions that the collection will address, culminating in an analysis by the editors of the effectiveness of strategic renewal in the co-operative sector. This book is a study of strategic renewal in the consumer co-operative sector, using eleven international case-studies to demonstrate how the concept has been applied over the last fifty years.
Consumer Credit: Law and Practice (Practical Finance and Banking Guides)
by Alexander Hill-SmithThe field of consumer credit law has undergone major and fundamental change in the recent past, due in part to the regulation since 1 April 2014 of consumer credit by the Financial Conduct Authority, and this book provides a clear and complete guide to this difficult area of law. Fully updated for the second edition, the author considers new developments including: the new authorisation process under the Financial Services and Markets Act 2000, including the interim permission regime, and its consequences; the new regime for financial promotions as applied to credit and hire advertising; the new rules controlling high cost short term lending and peer to peer lending; the new provisions of the recently released Consumer Credit Sourcebook (CONC); the new requirements governing mortgage lending as contained in MCOB; the requirements for distance selling and off-premises contracts as applied to consumer credit and consumer hire including the impact of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013; the jurisdiction of the financial ombudsman service on consumer credit. Also considered is the recent case law on the powerful unfair relationships jurisdiction. This comprehensive and practical guide is essential reading for legal practitioners, finance houses, credit reference agencies and retail organisations.
The Consumer, Credit and Neoliberalism: Governing the Modern Economy (Routledge Frontiers Of Political Economy Ser. #152)
by Christopher PayneThis book is an investigation into the economic policy formulation and practice of neoliberalism in Britain from the 1950s through to the financial crisis and economic downturn that began in 2007-8. It demonstrates that influential economists, such as F.A. Hayek and Milton Friedman, authors at key British think tanks such as the Institute of Economic Affairs and the Centre for Policy Studies, and important political figures of the Thatcher and New Labour governments shared a similar conception of the consumer. For neoliberals, the idea that consumers were weak in the face of businesses and large corporations was almost offensive. Instead, consumers were imagined to be sovereign agents in the economy, whose consumption decisions played a central role in the construction of their human capital and in the enabling of their aspirations. Consumption, just like production, came to be viewed as an enterprising and entrepreneurial activity. Consequently, from the early 1980s until the present day, it was felt necessary that banks should have the freedom to meet the borrowing needs of consumers. Credit rationing would be a thing of the past. Just like businesses, consumers and households could use debt to expand their stock of personal assets. By utilizing the method of French philosopher Michel Foucault this book provides an original analysis of the policy ideas and political speeches of key figures in the New Right, in government and at the Bank of England. And it addresses the key question as to why policy-makers both in Britain and the United States did little or nothing to stem rising consumer and household indebtedness, instead always choosing to see increasing house prices and homeownership as a positive to be encouraged.
Consumer Credit, Debt and Investment in Europe
by James Devenney Mel KennyProduced under the auspices of an EU-funded Marie Curie research programme, this volume analyses vulnerability in European private law and scrutinises consumer protection in credit and investments in the context of the recent turmoil in financial markets and EU harmonisation initiatives in the area. It explores key issues such as responsible lending, the disclosure of information, consumer confidence, the regulation of consumer investment services and the protection of bank depositors. The chapters emanate from the 'Consumer Protection in Europe: Theory and Practice' duo colloquium which explored consumer protection in Europe in its theoretical and practical dimensions. These topics are even more relevant today given the passage of the Consumer Rights Directive, the appointment of an Expert Group on a common frame of reference, the Green Paper on European Contract Law and the ongoing deliberations surrounding the Common European Sales Law.
Consumer Credit in Europe: Macro- and Microeconomic Perspectives
by Maria LissowskaThis book provides a comprehensive outlook on the state and role of consumer credits in the European economy and households. It underlines the role of consumerism and digitalisation, in the framework of legislation. It covers two major turns in consumer credit evolution: the 2008 crisis and Covid pandemic. The first had socio-economic sources, the second one was an external event, but provoked important changes in consumer behaviour. Lockdowns deepened the preference for digital financial products. FinTech and BigData operators acquired broader opportunities with the development of distance services.These new financial services need adapted legislation. The recently published project of Consumer Credits Directive covers new means of communication, such as smartphones, and extends rules to new ways of crediting, like crowdfunding.Consumer credit availability changed the behaviour of households. The propensity of poorer households to save faded due to the ease of getting credit. However, financial insecurity during the Coronavirus pandemic made households limit credits and build precautionary savings.
Consumer Credit in Europe: Risks and Opportunities of a Dynamic Industry (Contributions to Economics)
by Daniela VandoneConsumer credit has become a topical issue for researchers, regulators and the banking industry in Europe as a result of increasing market integration, regulatory changes and a growing tendency of households to use debt to finance consumption. This study uses a cross-country approach to look at a broad range of issues related to consumer credit in Europe. Focusing on both the supply and demand sides, it takes into account the structure and performance of financial intermediaries, the socio-demographic and economic profile of households and their risk of over-indebtedness, as well as the regulatory framework, such as the new Consumer Credit Directive. In the light of this analysis, measures for the prevention and management of over-indebtedness are presented. This book is essential for postgraduate students and specialists in financial institutions, for regulators and policy-makers who are in charge of efficiency and stability of financial systems.
Consumer Culture and the Media
by Mehita IqaniHow did consumer culture become synonymous with westernised societies? Iqani argues that it is the way it is promoted by media texts. She provides a detailed analysis of publicly displayed consumer magazine covers and engages with big questions about the public, power and identity in mediated consumer culture.
Consumer Culture, Branding and Identity in the New Russia: From Five-year Plan to 4x4 (Routledge Interpretive Marketing Research)
by Graham H.J. RobertsAs shopping has been transformed from a chore into a major source of hedonistic pleasure, a specifically Russian consumer culture has begun to emerge that is unlike any other. This book examines the many different facets of consumption in today’s Russia, including retailing, advertising and social networking. Throughout, emphasis is placed on the inherently visual - not to say spectacular - nature both of consumption generally, and of Russian consumer culture in particular. Particular attention is paid to the ways in which brands, both Russian and foreign, construct categories of identity in order to claim legitimacy for themselves. What emerges is a fascinating picture of how consumer culture is being reinvented in Russia today, in a society which has one, nostalgic eye turned towards the past, and the other, utopian eye, set firmly on the future. Borrowing concepts from both marketing and cultural studies, the approach throughout is interdisciplinary, and will be of considerable interest, to researchers, students and practitioners wishing to gain invaluable insights into one of the most lucrative, and exciting, of today’s emerging markets.
Consumer Culture in Latin America
by John Sinclair Anna Cristina PertierraHow can we understand consumption in a region known for its cultural richness and vast inequalities? What do Latin Americans consume, and why? Examining topics from tango and samba to sex workers in Costa Rica, from eating tamales to selling ice in the Andes, and from building and moving houses to buying cell phones, this collection brings together original research on some of the many forms of consumption and consumers that contribute to Latin American cultures and histories. Contributors include sociologists, anthropologists, media and cultural studies scholars, geographers and historians, showcasing diverse approaches to understanding Latin American consumption practices and consumer culture.
Consumer Culture Theory
by Eric J. Arnould Craig J. Thompson David Crockett Michelle F. Weinberger*NOW FULLY UPDATED AND EXPANDED WITH SIX NEW CHAPTERS* Over the past forty years, Consumer Culture Theory (CCT) has emerged as a distinctive field of study that synthesizes diverse subjects such as anthropology, cultural studies, marketing, political theory and sociology to provide new insights into consumers’ relationships to the marketplace and the influence of commercial action on culture. This book, edited by leading scholars in CCT, contains contributions by many of its leading researchers, and distills this interdisciplinary field into a concise accessible overview for students and early career researchers. It describes the key themes, concepts and theoretical areas of CCT; explains why they are useful in understanding consumption and marketplace phenomena; and shows how they can be applied to a wide range of research contexts. Drawing on real-world scenarios, reflective tasks and international case studies to help aid theoretical understanding and critical thinking, the text is designed to support a course in CCT, supplement related study, and guide undergraduate and postgraduate students in writing a CCT-related dissertation/thesis. It is the go-to text for anyone who is curious about, new to CCT, or looking for an integrative compendium of CCT research and its implications. Eric J. Arnould is Emeritus Professor of Marketing at the Aalto University Business School, Finland. Craig J. Thompson is the Churchill-Bascom Professor of Marketing at the University of Wisconsin-Madison, USA. David Crockett is Professor of Marketing at the University of Illinois Chicago, USA. Michelle F. Weinberger is Associate Professor at the Medill School of Journalism, Media, Integrated Marketing Communications at Northwestern University, Illinois, USA.
Consumer Culture Theory
by Eric J. Arnould Craig J. Thompson David Crockett Michelle F. Weinberger*NOW FULLY UPDATED AND EXPANDED WITH SIX NEW CHAPTERS* Over the past forty years, Consumer Culture Theory (CCT) has emerged as a distinctive field of study that synthesizes diverse subjects such as anthropology, cultural studies, marketing, political theory and sociology to provide new insights into consumers’ relationships to the marketplace and the influence of commercial action on culture. This book, edited by leading scholars in CCT, contains contributions by many of its leading researchers, and distills this interdisciplinary field into a concise accessible overview for students and early career researchers. It describes the key themes, concepts and theoretical areas of CCT; explains why they are useful in understanding consumption and marketplace phenomena; and shows how they can be applied to a wide range of research contexts. Drawing on real-world scenarios, reflective tasks and international case studies to help aid theoretical understanding and critical thinking, the text is designed to support a course in CCT, supplement related study, and guide undergraduate and postgraduate students in writing a CCT-related dissertation/thesis. It is the go-to text for anyone who is curious about, new to CCT, or looking for an integrative compendium of CCT research and its implications. Eric J. Arnould is Emeritus Professor of Marketing at the Aalto University Business School, Finland. Craig J. Thompson is the Churchill-Bascom Professor of Marketing at the University of Wisconsin-Madison, USA. David Crockett is Professor of Marketing at the University of Illinois Chicago, USA. Michelle F. Weinberger is Associate Professor at the Medill School of Journalism, Media, Integrated Marketing Communications at Northwestern University, Illinois, USA.
Consumer Culture Theory
by Professor Eric J. Arnould Professor Craig J. ThompsonOutlining the key themes, concepts and theoretical areas in the field, this book draws on contributions from prominent researchers to unravel the complexities of consumer culture by looking at how it affects personal identity, social interactions and the consuming human being. A field which is characterised as being theoretically challenging is made accessible through learning features that include case study material, critical reflection, research directions, further reading and a broad mix of the types of consumers and consumption contexts including emerging markets and economies. The structure of the book is designed to help students map the field in the way it is interpreted by researchers and follows the conceptual mapping in the classic Arnould & Thompson 2005 journal article. The book is organised into three parts - the Consumption Identity, Marketplace Cultures and the Socio-Historic Patterning of Consumption. Insight is offered into both the historical roots of consumer culture and the everyday experiences of navigating the contemporary marketplace. The book is supported by a collection of international case studies and real world scenarios, including: How Fashion Bloggers Rule the Fashion World; the Kendal Jenner Pepsi Commercial; Professional Beer Pong, Military Recruiting Campaigns, The World Health Organisation and the Corporatization of Education. The go-to text for anyone new to CCT or postgraduate students writing a CCT-related thesis.
Consumer Culture Theory
by Professor Eric J. Arnould Professor Craig J. ThompsonOutlining the key themes, concepts and theoretical areas in the field, this book draws on contributions from prominent researchers to unravel the complexities of consumer culture by looking at how it affects personal identity, social interactions and the consuming human being. A field which is characterised as being theoretically challenging is made accessible through learning features that include case study material, critical reflection, research directions, further reading and a broad mix of the types of consumers and consumption contexts including emerging markets and economies. The structure of the book is designed to help students map the field in the way it is interpreted by researchers and follows the conceptual mapping in the classic Arnould & Thompson 2005 journal article. The book is organised into three parts - the Consumption Identity, Marketplace Cultures and the Socio-Historic Patterning of Consumption. Insight is offered into both the historical roots of consumer culture and the everyday experiences of navigating the contemporary marketplace. The book is supported by a collection of international case studies and real world scenarios, including: How Fashion Bloggers Rule the Fashion World; the Kendal Jenner Pepsi Commercial; Professional Beer Pong, Military Recruiting Campaigns, The World Health Organisation and the Corporatization of Education. The go-to text for anyone new to CCT or postgraduate students writing a CCT-related thesis.
Consumer Culture Theory in Asia: History and Contemporary Issues (Routledge Frontiers in the Development of International Business, Management and Marketing)
by Yuko Minowa Russell BelkWe live in times of increasing world uncertainty. Consumer culture in Asia has embodied such precariousness, with their unprecedented states of both prosperity and vulnerability. Works in this volume examine the consumer cultures that exist in today’s precarious Asia. They do this through culturally oriented, critical consumer research. How deeply has the consumer precariousness in Asia been intertwined with the sociohistorical patterning of consumption including class, gender, and other social categories? How do these problematics affect consumers’ identity projects, consumer rituals, and marketplace cultures? How is consumer precariousness aggravated by the governmentality of the superpower? How does the changing landscape of inter-Asian and global popular culture impact consumer culture in these nations? Together, the authors in this volume attempt to answer these questions through consumer research within the paradigm known as consumer culture theory (CCT). Since most CCT inquiry has been in Western contexts, this volume augments the existing knowledge. It presents the most current, critical, historical, and material consumer studies focused on Asia. This volume will be of interest to seasoned CCT researchers and academics, for anyone new to CCT, and for postgraduate students interested in CCT or writing a consumer culture-related thesis.
Consumer Debt and Social Exclusion in Europe (Markets and the Law)
by Hans-W. Micklitz Irina DomurathThis book analyses the dichotomy between the goal of social inclusion and the effect of social exclusion through over-indebtedness since 2008 in Europe. Filling a vital gap in the current literature on the effects of the financial and economic crisis, this volume puts into context academic discussion with the real-life dimension of over-indebtedness. Reports from six European countries provide socio-economic and legal information on over-indebtedness as well as the regulatory and judicial responses to the problems entailed by over-indebtedness. They form the empirical background for five analyses of different aspects of the inclusion-exclusion dichotomy. It becomes clear that in the context of credit expansion, individual over-indebtedness has turned into a social issue, which the current design of the consumer credit and mortgage system in Europe has helped to produce while disregarding the consequential danger of social exclusion.
Consumer Decision Neuroscience: Ausgewählte Beiträge
by Nadine R. GierDieses Open-Access-Buch zur Consumer Decision Neuroscience verfolgt das Ziel, durch die Integration neurowissenschaftlicher Methoden in die Käufer- und Konsumentenverhaltensforschung die Identifikation verhaltensrelevanter, neurophysiologischer Variablen zu ermöglichen, um darauf aufbauend eine Theorieerweiterung zu schaffen. In ausgewählten Beiträgen werden Käufer- und Konsumentenentscheidungsprozesse anhand verschiedener methodischer, neurowissenschaftlich fundierter Herangehensweisen empirisch untersucht, um die Entscheidungsprozesse umfassend beschreiben, effektiver unterstützen und erfolgreich vorhersagen zu können.
Consumer Demand in the United States: Prices, Income, and Consumption Behavior
by Lester D. Taylor H. S. HouthakkerA classic treatise that defined the field of applied demand analysis, Consumer Demand in the United States: Prices, Income, and Consumption Behavior is now fully updated and expanded for a new generation. Consumption expenditures by households in the United States account for about 70% of America's GDP. The primary focus in this book is on how households adjust these expenditures in response to changes in price and income. Econometric estimates of price and income elasticities are obtained for an exhaustive array of goods and services using data from surveys conducted by the Bureau of Labor Statistics and aggregate consumption expenditures from the National Income and Product Accounts, providing a better understanding of consumer demand. Practical models for forecasting future price and income elasticities are also demonstrated. Fully revised with over a dozen new chapters and appendices, the book revisits the original Houthakker-Taylor models while examining new material as well, such as the use of quantile regression and the stationarity of consumer preference. It also explores the emerging connection between neuroscience and consumer behavior, integrating the economic literature on demand theory with psychology literature. The most comprehensive treatment of the topic to date, this volume will be an essential resource for any researcher, student or professional economist working on consumer behavior or demand theory, as well as investors and policymakers concerned with the impact of economic fluctuations.
Consumer Demographics and Behaviour: Markets are People (The Springer Series on Demographic Methods and Population Analysis #30)
by David A. Swanson Farhat Yusuf Jo M. MartinsThis is the book that market strategists have been waiting for to position themselves in global markets and take advantage of the opportunities that demographic bonuses and deficits offer to them and their products. It is also a book for teachers and students of consumer behaviour to grasp the importance of the life cycle as a framework that shapes the demand for goods and services determined by changes in social, economic and physical functioning. It gives insights into gendered consumer behaviour and cohort effects. It presents a range of views on consumer behaviour and how demographic perspectives enhance these perspectives. The book offers conceptual and analytical tools that can be used in the assessment of population characteristics as determinants of market size, composition and potential for a variety of products. It offers organising frameworks as well as empirical evidence of consumer behaviour in clusters of markets, with different rates of population growth and age distribution that affect consumers' priorities and demand for basic and progressive commodities. The book shows commonalities as well as differences in consumer behaviour arising from different cultures and social customs. It uses analytical tools that are explained and accessible to readers with a range of competences. It is a book that can give a better understanding of consumer behaviour and market opportunities to the practitioner. It can also be used for the instruction of students in demography, consumer behaviour and marketing.
Consumer Directed Health Care: A 360 Degree View
by Kim SlocumWith three decades of experience in a variety of healthcare, pharmaceutical, and biotechnology firms, respected healthcare consultant, Kim Slocum applies a uniquely broad viewpoint to the U.S. healthcare crisis. He discusses how the system has evolved and debunks various myths that continue to persist. Exploring potential solutions, he balances many diverse and conflicting factors, including the movement to make healthcare more patient-centered and the growing trend to transfer significant portions of financial risk to patients via high-deductibles. Slocum closes the book by discussing what a successful consumer-directed system might look like and what steps would be required to make it happen.
Consumer-Driven Health Care: Medtronic's Health Insurance Options
by Regina E. Herzlinger John Hurwitch Seth BokserDescribes the variety of health insurance plans that Medtronic offers, including a high-deductible, consumer-driven health plan with a health reimbursement account that also enables health care providers to quote their own prices. Asks students to consider the choices facing the firm's human resources manager and its employees and the viability of the new consumer-driven models.
Consumer-Driven Health Care: Medtronic's Health Insurance Options
by John Hurwitch Regina E. Herzlinger Seth BokserDescribes the variety of health insurance plans that Medtronic offers, including a high-deductible, consumer-driven health plan with a health reimbursement account that also enables health care providers to quote their own prices. Asks students to consider the choices facing the firm's human resources manager and its employees and the viability of the new consumer-driven models.
Consumer Economic Wellbeing (International Series on Consumer Science)
by Jing Jian XiaoThis book focuses on the development of relevant theories and concepts that aid in predicting and modifying consumer behaviors. Consumer behaviors that help improve well-being, such as earning, spending, borrowing, and saving are also covered. In addition, the book discusses how to define consumer rights and responsibilities, and how individual consumers are organized to protect their own interests and to voice their concerns in public decision making processes. Finally, the book covers effects of economic environments on consumer well-being and how consumers can effectively deal with these challenges.