期刊,Electronic commerce research 2025年25卷3期_国家学术搜索

Pricing and insurance strategy of online retailers for the price adjustment protection policy

Boshi TianRunzhu HanJia ZhangJiahuan Song...

1343-1374页

查看更多>>摘要：In order to effectively respond to the deferred purchase of strategic consumers, online retailers have introduced the price adjustment protection (PAP) policy to improve consumers' shopping experience. Under this policy, the online retailer promises to compensate all consumers for the full price difference, which will bring them certain losses. In this paper we construct two types of two-period decision-making models based on whether the online retailer provides the price adjustment protection insurance (PAPI) policy, and we study the online retailer's pricing and insurance strategy using the Stackelberg game theory. Through our study, we obtain the online retailer's optimal pricing strategy in PAP and PAPI respectively. Second, considering the insurer's maximum profit, we derive the optimal insurance strategy of the online retailer in PAP and PAPI. Finally, when the insurer makes a profit from PAPI policy, we present conditions that affect the online retailer's insurance strategy in terms of the premium, the proportion of consumers applying for compensation and the consumer's inter-temporal discount factor. Our management implication is as follows: online retailers should choose a win-win insurance strategy with insurers according to the proportion of consumers applying for compensation and then-strategic level.

原文链接:

NETL
NSTL
Springer Nature

Pricing and insurance strategy of online retailers for the price adjustment protection policy

Boshi TianRunzhu HanJia ZhangJiahuan Song...

1343-1374页

查看更多>>摘要：In order to effectively respond to the deferred purchase of strategic consumers, online retailers have introduced the price adjustment protection (PAP) policy to improve consumers' shopping experience. Under this policy, the online retailer promises to compensate all consumers for the full price difference, which will bring them certain losses. In this paper we construct two types of two-period decision-making models based on whether the online retailer provides the price adjustment protection insurance (PAPI) policy, and we study the online retailer's pricing and insurance strategy using the Stackelberg game theory. Through our study, we obtain the online retailer's optimal pricing strategy in PAP and PAPI respectively. Second, considering the insurer's maximum profit, we derive the optimal insurance strategy of the online retailer in PAP and PAPI. Finally, when the insurer makes a profit from PAPI policy, we present conditions that affect the online retailer's insurance strategy in terms of the premium, the proportion of consumers applying for compensation and the consumer's inter-temporal discount factor. Our management implication is as follows: online retailers should choose a win-win insurance strategy with insurers according to the proportion of consumers applying for compensation and then-strategic level.

原文链接:

NETL
NSTL
Springer Nature

Online or not online: the impact of business owner's risk preference on the adoption of e-business

Wei YangLe WangXian Zhang

1375-1394页

查看更多>>摘要：The significant growth of internet users has driven businesses to develop their capacity in e-commerce and meet the increasing demand for e-consumption, e-servic-es, and e-business. To gain the benefits of e-business, firms may choose to extend or transit their offline-operated businesses to online or hybrid modes. Opportunities are accompanied by risks in this process. Therefore, it is important to understand how business owners' financial risk preferences affect their choice of business operation models, namely, online and offline operations. Using data from the China Household Finance Survey (CHFS) in 2017 and 2019, this study examined the impacts of business owners' risk preferences on e-business adoption, considering social insurance as a moderator on the relationship between risk effect and online business operation. In addition, we used heterogeneity examination to test for regional differences between rural and urban areas. Our results show that, compared to high-risk takers, low-risk takers are less likely to choose online or hybrid businesses; and having social insurance reduces the effect of risk preference on adopting e-business. This finding indicates social insurance may provide financial security to business owners with low-risk preferences and makes them more likely to adopt online business, whilst it may distort adoption incentives for high- and medium-risk groups. Results of the heterogeneity examination suggest a discrepancy in the risk preference effect on the adoption of e-business between the rural and urban areas: the impact of risk preference is found to be significantly higher on businesses in the rural area than those in the urban area.

原文链接:

NETL
NSTL
Springer Nature

Online or not online: the impact of business owner's risk preference on the adoption of e-business

Wei YangLe WangXian Zhang

1375-1394页

查看更多>>摘要：The significant growth of internet users has driven businesses to develop their capacity in e-commerce and meet the increasing demand for e-consumption, e-servic-es, and e-business. To gain the benefits of e-business, firms may choose to extend or transit their offline-operated businesses to online or hybrid modes. Opportunities are accompanied by risks in this process. Therefore, it is important to understand how business owners' financial risk preferences affect their choice of business operation models, namely, online and offline operations. Using data from the China Household Finance Survey (CHFS) in 2017 and 2019, this study examined the impacts of business owners' risk preferences on e-business adoption, considering social insurance as a moderator on the relationship between risk effect and online business operation. In addition, we used heterogeneity examination to test for regional differences between rural and urban areas. Our results show that, compared to high-risk takers, low-risk takers are less likely to choose online or hybrid businesses; and having social insurance reduces the effect of risk preference on adopting e-business. This finding indicates social insurance may provide financial security to business owners with low-risk preferences and makes them more likely to adopt online business, whilst it may distort adoption incentives for high- and medium-risk groups. Results of the heterogeneity examination suggest a discrepancy in the risk preference effect on the adoption of e-business between the rural and urban areas: the impact of risk preference is found to be significantly higher on businesses in the rural area than those in the urban area.

原文链接:

NETL
NSTL
Springer Nature

Experience mining based on text analytics and case-based reasoning to support crowdfunding design

Ting LuoJing ZhouShang Gao

1395-1422页

查看更多>>摘要：Crowdfunding has emerged as an important financing channel. Startups can raise funds through crowdfunding platforms. Owing to the limited experience and uncertainty of market demand, designing crowdfunding projects to attract online investors is often confusing for start-ups. This study proposes an integrated model of text analytics and case-based reasoning that assists in experience mining when designing crowdfunding projects. Case representation and retrieval are the two core components of the model. In addition to the literature review, text analytics methods, such as latent Dirichlet allocation and Doc2Vec model based on neural network, are also used to extract features to represent crowdfunding cases. For features with three value formats, namely numerical, categorical, and text vector features, three local similarity measures are adopted for case retrieval. Finally, the effectiveness of the model was verified using project data on the Kickstarter platform. The results show that the proposed model provides fundraisers with valuable experience in improving their design schemes and obtaining better financing performance.

原文链接:

NETL
NSTL
Springer Nature

Experience mining based on text analytics and case-based reasoning to support crowdfunding design

Ting LuoJing ZhouShang Gao

1395-1422页

查看更多>>摘要：Crowdfunding has emerged as an important financing channel. Startups can raise funds through crowdfunding platforms. Owing to the limited experience and uncertainty of market demand, designing crowdfunding projects to attract online investors is often confusing for start-ups. This study proposes an integrated model of text analytics and case-based reasoning that assists in experience mining when designing crowdfunding projects. Case representation and retrieval are the two core components of the model. In addition to the literature review, text analytics methods, such as latent Dirichlet allocation and Doc2Vec model based on neural network, are also used to extract features to represent crowdfunding cases. For features with three value formats, namely numerical, categorical, and text vector features, three local similarity measures are adopted for case retrieval. Finally, the effectiveness of the model was verified using project data on the Kickstarter platform. The results show that the proposed model provides fundraisers with valuable experience in improving their design schemes and obtaining better financing performance.

原文链接:

NETL
NSTL
Springer Nature

How to select crowdsourcing teams with limited information? A heterogeneous information network embedding approach

Yuanyuan LaiMin LiJunjun LiuHuimin Liu...

1423-1451页

查看更多>>摘要：Crowdsourcing has become a widely accepted approach to leverage crowds to solve business problems, and how to find proper solvers has been widely discussed. Existing studies mainly focus on matching tasks and individuals for simple tasks. However, the increasing complexity of projects calls for the crowdsourcing team selection, whereas the difficulty lies in the limited background information of team members which leads to data sparsity and cold-start problems. Motivated by this problem, we develop CT-HIN, a heterogeneous information network embedding method to evaluate skill matching and communication by similarity searching based on the pair-wise random walk model from multi-dimension. An empirical evaluation with input data collected from a real-world crowdsourcing platform is conducted to justify our proposed approach.

原文链接:

NETL
NSTL
Springer Nature

How to select crowdsourcing teams with limited information? A heterogeneous information network embedding approach

Yuanyuan LaiMin LiJunjun LiuHuimin Liu...

1423-1451页

查看更多>>摘要：Crowdsourcing has become a widely accepted approach to leverage crowds to solve business problems, and how to find proper solvers has been widely discussed. Existing studies mainly focus on matching tasks and individuals for simple tasks. However, the increasing complexity of projects calls for the crowdsourcing team selection, whereas the difficulty lies in the limited background information of team members which leads to data sparsity and cold-start problems. Motivated by this problem, we develop CT-HIN, a heterogeneous information network embedding method to evaluate skill matching and communication by similarity searching based on the pair-wise random walk model from multi-dimension. An empirical evaluation with input data collected from a real-world crowdsourcing platform is conducted to justify our proposed approach.

原文链接:

NETL
NSTL
Springer Nature

Metaverse-related perceptions and sentiments on Twitter: evidence from text mining and network analysis

Ugur GuenduezSadettin Demirel

1453-1483页

查看更多>>摘要：The concept of the metaverse promises a cyber-social platform, a virtual space offering a new reality, new collaboration, and communication opportunities. Despite its growing popularity and anticipation that it is the next big thing, there is a research gap regarding metaverse-related perceptions and sentiments. We aim to bridge this gap by taking a computational perspective to uncover the metaverse-related sentiments and perceptions on Twitter. Two million tweets shared in 2021 were examined using a combination of sentiment, text, and network analysis to classify tweets and words into sentiment categories, gather frequently used phrases, and detect central words and hashtags, respectively. The findings revealed that positive sentiments and emotions (anticipation, trust, joy) are prevalent in the tweets. The prevalence of three clusters in tweets, blockchain, gaming, and virtual reality, indicates that the concept of the metaverse is perceived as interrelated and integrated with finance, entertainment, and technology.

原文链接:

NETL
NSTL
Springer Nature

Metaverse-related perceptions and sentiments on Twitter: evidence from text mining and network analysis

Ugur GuenduezSadettin Demirel

1453-1483页

查看更多>>摘要：The concept of the metaverse promises a cyber-social platform, a virtual space offering a new reality, new collaboration, and communication opportunities. Despite its growing popularity and anticipation that it is the next big thing, there is a research gap regarding metaverse-related perceptions and sentiments. We aim to bridge this gap by taking a computational perspective to uncover the metaverse-related sentiments and perceptions on Twitter. Two million tweets shared in 2021 were examined using a combination of sentiment, text, and network analysis to classify tweets and words into sentiment categories, gather frequently used phrases, and detect central words and hashtags, respectively. The findings revealed that positive sentiments and emotions (anticipation, trust, joy) are prevalent in the tweets. The prevalence of three clusters in tweets, blockchain, gaming, and virtual reality, indicates that the concept of the metaverse is perceived as interrelated and integrated with finance, entertainment, and technology.

原文链接:

NETL
NSTL
Springer Nature