This study aims to focus on the purchase intention of the consumer specifically the millennial age group with respect to the effect of Electronic word of mouth communication and brand image. The study is performed among the students of the University of Haripur. Study reveals that the effect of Electronic word of mouth and brand image for the purchase of consumer electronics products have positively correlated and the effect is significant, which means that the Word of mouth communication can positively respond to the purchase of the said products in case when the products are branded and have certain image in the mind of consumer.

Customer Relationship Management (CRM) has been an important part of enterprise decision-making and management. In this regard, Decision Tree (DT) models are the most common tools for investigating CRM and providing an appropriate support for the implementation of CRM systems. Yet, this method does not yield any estimate of the degree of separation of different subgroups involved in analysis. In this research, we compute three decision-making models in SMEs, analyzing different decision tree methods (C&RT, C4.5 and ID3). The methods are then used to compute ME and VoE for the models and they were then used to calculate the Mean Errors (ME) and Variance of Errors (VoE) estimates to investigate the predictive power of these methods. These decision tree methods were used to analyze small- and medium-sized enterprises (SME’s) datasets. The paper proposes a powerful technical support for better directing market tends and mining in CRM. According to the findings, C&RT shows a better degree of separation. As a result, we recommend using decision tree methods together with ME and VoE to determine CRM factors.

Studies have shown that in service organizations, quality can have a growth in customer satisfaction as its consequence, and when it regards the banking services, factors are brought up with regard to the quality of banking services, which include the speed in responding, providing products proportionate to the customer needs, and gaining competence. These concepts are shared by the issue of organizational agility; hence, the qualities as well as the bank's agility of the banking system embrace these concepts in common. Therefore, the study aims at studying the effect of the quality of electronic banking services on the bank's agility, and assesses the role of two mediator variables of the quality of service system and personnel behavior quality. Using a questionnaire comprised of 76 items about the above components and asking the line personnel in Bank Saderat Iran (BSI) in the branches both inside and outside of Iran, the research data was collected, and stratified random sampling was used. To analyze the data, the Structural Equation Model (SEM) was used and the PLS software was employed to perform the computations. Results indicated that the model of the study has a high Goodness of Fit, and the quality of the electronic banking services had a significant effect on the bank's agility. In addition, the quality of electronic banking services affects the service system quality. The system service quality, also affects the employees' behavior. Therefore, it can be said that the electronic services quality and the bank's agility affect the personnel behavior quality through the mediated effect of the service system quality. The results of the present study can help the bank's executives to promote their bank's agility and the personnel behavior quality.

Highly qualified auditors have been considered essential in an accountant firm; however, the higher their competence are, the higher the tendency they move to another organization. The aim of the research was to analyze the role of religious control in mediating the effects of professional commitment and organizational commitment to auditors’ turnover working in public accountant firms in Indonesia. The research sample was 401 respondents chosen by accidental sampling based on their answers sent by emails. The tool of analysis was structural equations model calculated by using SPSS program. The results show that religious control reduced auditors’ turnover directly and mediated the effect of professional commitment on auditors’ turnover. Professional commitment and organizational commitment could not reduce auditor turnover, and religious control was not able to mediate the influence of organizational commitment on turnover of the auditors. The theoretical implications of this research enriching behavioral accounting and auditing literature and the practical implications of giving policy consideration to the head of the public accounting firm.

Development of modern theoretical and methodological approaches and practical recommendations, which would take into account the specifics of the functioning of the financial system of Ukraine in general and its key elements under conditions of formation of a democratic society, macro-financial instability and geopolitical challenges, may ensure the financial security of joint-stock companies in the context of adapting them to the current realities of financial and economic activities. This paper analyzes the financial security risks of joint-stock companies by their individual components, which are manifested in the decrease or increase of the values of the respective indicators relative to the optimal ones, established by the questionnaire, and identified risk-forming factors. The emphasis is placed on the need to evaluate the extent of the impact of comprehensive restraining and stimulating financial risk to reflect the efficiency of formation and use of financial resources of joint-stock companies. Despite this, the need to determine the integrated financial risk, which shows the magnitude of the reduction of the desired level of financial security for a certain period, is justified. Developed and tested complex methodological approach for the analysis of financial risks of joint-stock companies under the uncertain conditions and lack of statistical data for analysis, is a symbiosis of normative and fundamental approaches and substantiated by the synthesis of statistical, expert methods of scientific research and basic provisions of fuzzy logic theory. Using this approach allows us to identify and clearly visualize the scope of risk, to assess the extent of the impact of particular risk factors in a specific period and to determine the integral amount of risk, which allows to calculate the degree of reduction of financial security of joint-stock companies over a period of time.

Financial behavior can be defined as any behavior associated with money management. It has an important role in achieving someone’s financial wellbeing. This study aims to determine the factors of financial behavior in households based on the case in Indonesia. The study uses 229 samples collected with a convenience sampling technique. The primary data is collected by applying an online survey. The measurements of financial behavior consist of 21 indicators. Based on factor analysis, five factors of financial behavior are formed. The first factor is long-term planning, followed by short-term planning, saving behavior, the use of financial advisers, and undesirable behavior.

The financial size of the firm can be defined based on sales, working capital (WC), and total assets of the business organization. Two terms i.e. liquidity and solvency are to be used to measure the paying ability of the business. The liquidity is a short-term approach while solvency is the long-term approach of redemption of long-term debts (LTDs). The study investigates the relationship between size determinants and solvency of the Indian pharmaceutical business organization as few studies available that explain the relationship between the size of the firm and solvency in the pharmaceutical industry. The study considers the data of the selected pharmaceutical companies in India for the period 2013-2018. Two approaches are to be used to analyze the solvency i.e. solvency against ownership and solvency against the total assets (TA). Ratio analysis is the basis of the study and Spearman’s rank correlation is calculated to get the relative relationship between size and solvency of the Indian pharmaceutical companies. The result of the relative study shows the positive and moderate correlation between the size determinants and solvency of the Indian pharmaceutical companies.

This study aims to investigate the effects of experience and gender of the managers on the relationship between internationalization and business performance of manufacturing firms in Turkey. Based on data collected by the World Bank for 263 manufacturing enterprises in Turkey and by regression estimation, the results show that the relationship between internationalization and firm performance was enhanced when the manager had more years of experience. In contrast, this relationship will be reduced when the business has a female executive manager. The result adds to the empirical evidence and reinforces the theory of internationalization, especially in transition economies. The implications of the research are to help policymakers to promulgate appropriate policies to support and accelerate the internationalization of businesses.

The purpose of this study was to analyze the role of interpersonal communication in moderating the influence of work competence and work stress on employee performance. The research object was the employee of PT. Bank Rakyat Indonesia (Persero) Tbk. in Rengat branch. The samples of this research were 103 employees and the sampling was applied using saturated sampling technique. This study used a closed questionnaire and the data from the questionnaire were processed using SmartPLS 3.0. The results of this study were: (1) Competency variable had a significant effect on employee performance, (2) Work stress variable had no effect on employee performance, (3) Interpersonal communication variable did not moderate the influence of work competence on employee performance, and (4) Interpersonal communication variable moderated the influence of work stress on employee performance of PT. Bank Rakyat Indonesia (Persero) Tbk. in Rengat branch.

The study aims to explore the impact of internal social capital banking on the operations of commercial banks in Vietnam. The study is executed in two phases. Phase 1 uses the expert method to build scales and design survey questions. In phase two, scale test and structural equation model analysis (SEM) are performed with a sample of 243 questionnaires for directors and deputy directors of branches of 32 commercial banks in Ho Chi Minh City. It also analyzes the contribution of the structure of the relational network within the bank and the quality of the relational network. The research results show that internal banking social capital affects all three operations; namely mobilization, lending and service provision of the banks. Based on the research results, the study proposes an analytical framework to improve the quality of internal banking relationships.