Identification of the order in which households acquire financial services has important implications for market seg­mentation and cross-selling strategies. This study illustrates a procedure by which financial institutions, based on internal records can estimate the likelihood that a customer...

This article investigates the effect of unsolicited electronic messages, also known as spam and spim, on perceptions of e-mail and instant messaging usefulness. It is hypothesized that spam and spim should have a negative effect on electronic communication system usefulness, but the survey...