This paper examines the evolution of internet banking in the UK. Today, most banks have adopted the so-called multi-channel strategy where the internet is one of many channels through which customers can conduct their banking. However, this strategy can be implemented through different business...

The self-serving attribution bias ("SAB") refers to individuals taking responsibility for good outcomes and blaming others for bad outcomes. Consistent with the existence of managerial SAB, I find that managers tend to use more first-person pronouns (relative to second- and third-person...

This paper examines the information content of the forward-looking statements in the Management Discussion and Analysis section (MD&A) of 10-K and 10-Q filings using a Naive Bayesian machine learning algorithm. I find that firms with better current performance, lower accruals, smaller size,...

Design and synthesis of hierarchical self-assembly 2D channel silica (2D-CS) with mesoscopicshape control and developing of their application in catalysts have remained a challenge. Herein, we fabricated a series of 2D-CSx materials through hierarchical self-assembly of curved lamellar micelles...

Two-phase titanium alloy Ti-6Al-2Sn-4Zr-6Mo (TC19) has an excellent application prospect in aviation field. In order to study the hot deformation behavior and microstructure evolution mechanism of TC19 titanium alloy, hot compression tests were carried out at temperatures of 800-1050°C with...

The Internet is shaking the foundation of the banking industry. Simply deploying the Internet as a more efficient distribution channel will not bring sustainable strategic advantages. To compete effectively, banks will need to embrace a new set of strategic thinking, based on the...

A general model is proposed for flexibly estimating the density of a continuous response variable conditional on a possibly high-dimensional set of covariates. The model is a finite mixture of asymmetric student-t densities with covariate dependent mixture weights. The four parameters of the...

This paper examines the nature of virtual teams and their place in the networked economy. It presents a framework for categorising virtual teams and argues that fundamental changes have taken place in the business environment which force people and organisations to operate in 'two spaces'...