A model for adoption of mobile banking services using classification and regression trees

The analysis and improvements of bank performance is a challenging issue for bank managers. Among various banking services, mobile banking is one of the most risky fields that is prone to customer resistance. Mobile banking is a form of banking transaction carried out via a mobile phone. Mobile banking allows bank customers to check their account balances and perform credit card transaction, as well as provide information on the latest transaction made by customers. This paper summarizes experiences and results of productively using knowledge discovery and data mining techniques in a large detail bank data. Data mining is the process of extracting patterns from data. We review prior literature on mobile payments, analyze the various factors that impact mobile payment services markets, and suggest directions for future research in this risk management field. Our research work demonstrates the effectiveness and efficiency of data mining in analysis of retailing bank performance. We use classification and regression tree learning algorithm for proposing a customer adoption model of mobile banking according to some personal characteristics of customers.     

The Moderating Effect of Criminal Thinking on Certainty of Apprehension in Decisions to Engage in Antisocial Behavior: Replication and Extension

This study explored whether the rational (certainty of punishment) and nonrational (criminal thinking) aspects of antisocial decision‐making interact. A convenience sample of 319 undergraduates (106 men, 213 women) completed a measure of criminal thinking and responded to three fictional vignettes (i.e., cheating on a final examination in a class they were in jeopardy of failing, stealing $50 off a table in a dorm room, and selling marijuana for a friend) at three different levels of risk or certainty of apprehension (50%, 10%, and 1%). Results indicated that participants reported that they would be more likely to engage in antisocial behavior when the certainty of getting caught was low and the level of proactive (P) or reactive (R) criminal thinking was high. An interaction between certainty and criminal thinking was also observed in which the gap between lower and higher criminal thinking respondents grew as the probability of getting caught fell.     

Perceived infallibility of detection dog evidence: implications for juror decision-making

This study focuses on the trust that potential jurors have in unsubstantiated evidence and the implications of such trust for legal decision-making. We examined whether participants’ motivation to think deeply (‘need for cognition,’ NC) and belief in science moderated their trust in potentially fallible detection dog evidence when selecting a verdict in a trial scenario. A detection dog twice indicated the presence of drugs in the scenario, yet no drugs were actually found. Those who chose a guilty verdict without drugs present featured stronger beliefs in detection dog evidence. They were also more confident that a dog alert indicated the presence of drugs, even though the scientific literature actually shows that detection dog evidence is subject to biases and other challenges to reliability. Our findings indicate that an unsubstantiated belief and trust in detection dog evidence may negatively influence juror decision-making, which may, in turn, pose consequences for fairness and justice. Participants believed that detection dogs provide powerful and reliable evidence, and these beliefs were clearly associated with stronger beliefs in science. These findings, therefore, raise serious concerns about jurors’ indiscriminate trust in forensic evidence, be it detection dog evidence or other lines of evidence presented in court.     

JUDICIAL ROTATION AS CENTRIPETAL FORCE: SENTENCING IN THE COURT COMMUNITIES OF SOUTH CAROLINA*

Courts as communities theory emphasizes the sentencing differences that can arise between localities within a single state. The results of published studies have highlighted how local differences emerge based on informal sociological and political processes defined by the communities perspective. The findings from recent quantitative studies from South Carolina have revealed notably less county variation in sentencing than has been observed elsewhere. I use qualitative interviews with 13 South Carolina trial judges to investigate sentencing processes and to shed light on these findings. The interviews explore the state's legal structure and culture, including the practice of circuit rotation in which judges travel among counties holding court. The results suggest rotation serves as a centripetal force of sentencing culture, homogenizing what might otherwise be a more varied collection of county‐specific norms. Rotation leads to increased uniformity through judge shopping and the cross‐pollination of ideas and norms. Defendants can strategically judge shop and plead in front of a lenient judge—a process that gives rise to the term “plea judge,” which is a label for the most lenient judges who sentence a large number of defendants. Rotation also increases the interactions among judges and prosecutors, expanding networks and grapevines, and leading to cross‐pollination and the sharing of ideas.     

掠夺性定价立法问题研究

反掠夺性定价立法的基本目的是保护消费者和促进消费者福利 ,认定掠夺性定价的规则应有利于这个基本目的的实现和更容易操作 ,高于成本的掠夺性定价也应被禁止。在此基础上 ,文章对我国的有关掠夺性定价立法进行了反思并提出了相关建议     

Understanding juror perceptions of forensic evidence: investigating the impact of case context on perceptions of forensic evidence strength

The most widely accepted model of juror decision making acknowledges the importance of both the case-specific information presented in the courtroom, as well as the prior general knowledge and beliefs held by each juror. The studies presented in this paper investigated whether mock jurors could differentiate between evidence of varying strengths in the absence of case information and then followed on to determine the influence that case context (and therefore the story model) has on judgments made about the strength of forensic DNA evidence. The results illustrated that mock jurors correctly identified various strengths of evidence when it was not presented with case information; however, the perceived strength of evidence was significantly inflated when presented in the context of a criminal case, particularly when the evidence was of a weak or ambiguous standard. These findings are discussed in relation to the story model, and the potential implications for real juries.