مطالب

The purpose of this paper is to prepare a hybrid simulation model of system dynamics (SD) - agent-based modeling (ABM) to investigate the mobile service consumers’ behavior in the country. By using the suggested in this article, first the necessity to analysis consumers’ behavior is explained and then the effective factors on mobile ecosystem which influence the consumers’ behavior are explained . For each factor affecting on the ecosystem, related simulations were performed and then by combining system dynamics modeling - agent -based modeling, the behavior of mobile service consumers in the first operator of the country (Hamrahe Aval Company) was examined and finally the income affected by that behavior is analyzed . Results indicated that if no funds by the operator are allocated to the development of native applications and digital platform, after 2 years, the number of active customers of the operator will decrease because of the activities of cultural organizations. By the operator entering into the field of native application production and digital transformation, consumers tended to use more data services instead of voice calls, but because of different data and voice tariffs, the operator's income will not change much in the next 2 years. With the increase of marketing and advertising activities, despite the greater consumer inclination to use data, the main income of the operator decreases, which also needs more attention of policymakers in this area .

Nowadays, marketing researchers are constantly striving to identify consumer behavior and therefore to find appropriate solutions for better and more effective sales and increase market share. In this regard, the purpose of the present study is the role of customer clustering in designing a targeted marketing model. The research method is applied and exploratory. The statistical population of the study was in the qualitative part of sales and marketing managers of IoT companies who were selected by non-random sampling method and 15 people were interviewed. The quantitative part also included all the customers of the companies surveyed. Due to the unlimited population of Morgan Table 384 persons were selected as the sample size. Data gathering tool was interview and questionnaire, which were used to assess the validity of the questionnaire by the opinions of marketing experts and Cronbach's alpha reliability. Content analysis approach was used to analyze the data in the qualitative part and PLS2 software in the structural part. The results showed that the dimensions of the model in the four main clusters were communication factors, behavioral factors, individual factors, and economic factors. Model performance is very high performance.

The present study aimed to rank banks in terms of board of directors report and notifying the users of reports. In addition, we evaluated factors affecting risk disclosure from the perspective of corporate governance. Moreover, we assessed risk disclosure based on linguistic analysis of board report text and capital adequacy ratio. Words were applied as measurement units to measure risk disclosure. The advantage of this technique is the unique analysis of words. According to the theoretical foundations presented in the present study, we first identified risk disclosure words in reports provided to financial information users and divided them into two categories of positive and negative risk disclosure words. Another variable selected for risk disclosure was capital adequacy ratio. Effective variables in corporate governance system in banks included the board independence, duality of CEO duties, and major shareholders as input variables in data envelopment analysis (DEA) model. On the other hand, the BCC model of DEA was selected as output-based nature. The statistical population included all banks listed in Tehran Stock Exchange. In total, 20 year-bank units listed during 2016-2017 were assessed. In the end, seven year-bank units were considered efficient while the rest were inefficient. Moreover, we estimated the amount of shortage in outputs to reach inefficient banks to the desired level of efficiency.