درخت حوزه‌های تخصصی

The progression of Internet as a vehicle to penetrate and develop markets is far reached. Advancement in telecommunication and technology are very rapid in Malaysia. Further, the spur is supported and promoted by the government whilst Malaysian’s are receptive to this. However, Malaysian retailers seem to channel much of its turnover through the old avenue. This study is a litmus test on Malaysians awareness on the local apparel sites. Some of the highlighted rationale to shop for apparels online is the experience, convenience and availability. On the flip side, non-user friendly, safety and non-sensory environment are underscored. These variables are analyzed using Chi-Square analysis to test its statistical independence, followed by correlation and further regressed. The research is focused on university students within Klang Valley. There are limited resources to previous studies done on this subject as source of reference. Therefore, further studies can bring forth insights on retailers in Malaysia and the consumer’s behavior; or either one, as the catalyst influence awareness on our local apparel sites. Rhetorical as it may sound, no one is prepared to assume risks in a questionable market

State banks must find a way to adopt a different strategy from other banks in providing customer service. An important and key way to create a competitive position is to differentiate services from other competitors that create a good image of the bank and its services in the minds of customers. A topic that has been addressed in the present study is the necessity for state banks, like other companies and businesses, to follow a suitable model in order to achieve a suitable position in the banking industry. In this regard, the purpose of this study is to design a model for positioning the services of state-owned banks and its validation. The data for qualitative stage were obtained from Keshavarzi, Melli, and Maskan branches' managers of Khorasan Razavi province and university professors in the field of management. The quantitative sample were also the customers of aforementioned banks, that due to their large number, 384 people from each bank were selected as a sample size by simple random method and Cochran's formula. In order to collect data in the qualitative part, Deleted part, the interview was used and in the quantitative part, a researcher-made questionnaire was used, which obtained validity with expert opinions and reliability with Cronbach's alpha of 0.77. In order to analyze the data in the qualitative part, grounded theory and the method of Strauss and Corbin and Maxquda software were used, and in the quantitative part, the structural equation technique and PLS2 software were used. The results showed that the model presented in 6 dimensions of causal factors,contextual, intervening, pivotal, strategies an consequences has a good fit.