Digital Commons Network^™

Full Posterior Uncertainty Propagation In The Bg/Nbd Framework A Bayesian Foundation For Individual-Level Customer Behavior Modeling, Stuart V. Kerr

UNLV Gaming Research & Review Journal

The Beta-Geometric/Negative Binomial Distribution (BG/NBD) model of Fader et al. (2005) is used to describe repeat-transaction behavior in non-contractual settings: a latent visitation rate, heterogeneous across customers, governs how of- ten a customer transacts while active, and a latent dropout probability, also het- erogeneous, governs when a customer permanently churns. In its classical form, BG/NBD is estimated using maximum likelihood, producing single point estimates of the underlying population parameters and, from these, point estimates of each customer’s individual behavior. This paper develops the model from first princi- ples as a fully Bayesian framework, estimated using Markov Chain Monte Carlo (MCMC), …

What Does It Mean To Be Entrepreneurial In Extension–And Does It Really Matter?, Julie Fox

Journal of Extension

Awareness of entrepreneurial application in everyday Extension occurrences can improve Extension's impact in a rapidly changing environment. An entrepreneurial spirit remains evident throughout Extension's history, beginning with the Smith–Lever Act of 1914 that created value by cooperatively mobilizing resources of federal, state, and county governments; land-grant universities; and communities. More than 100 years later, entrepreneurial actions continue to demonstrate Extension's commitment to recognizing opportunities, engaging stakeholders, and fostering innovation. With an increasingly diverse constituency, complex funding mix, multifaceted issues, and rapidly evolving technologies, the Cooperative Extension System, like other established organizations, can benefit from proactively advancing individual and organizational entrepreneurship.

Family Farm Succession: Factors Of Business Transfer Intention, Shannon Dill

Journal of Extension

The transfer of farm assets across generations is essential for the continuity and sustainability of farming operations. As the number of farms decreases and the population ages, the need for effective succession planning becomes increasingly urgent. This paper investigates the factors influencing the intention to transfer family farm businesses, providing insights and recommendations. Four critical factors in farm transition were identified: (a) family dynamics and connection to the farm; (b) farm assets, abilities, and innovation for the future; (c) willingness and mechanisms to transfer the farm; and (d) barriers and conflict in farm transfer.

From Consumers To Makers: A Community-Based Model Of The Diy Food And Beverage Kit Ecosystem, Mark Mitchell, Richard Martin, Sheila Mitchell

Atlantic Marketing Journal

The market for do-it-yourself (DIY) food and beverage kits continues to expand as consumers seek experiences that combine convenience, learning, creativity, and participation. This conceptual paper proposes a four-community ecosystem model consisting of consumers, makers, marketers, and consumption communities. Drawing on value co-creation, prosumption, experiential consumption, and diffusion of innovation theories, the model suggests that participation in DIY production transforms consumers into makers, fosters a maker identity, and encourages engagement in product-category consumption communities. Through sharing experiences and outcomes, participants attract new consumers into the marketplace, creating a self-reinforcing cycle of growth. The framework extends value co-creation theory by explaining …

Brand Gravity And Instant Adoption: Consumer Visitation, Loyalty, And Trip Chaining Following The Entry Of A New National Coffee Chain, Mark J. Sciuchetti Jr., Jianping Huang

Atlantic Marketing Journal

This study examines how consumers adopt a strong national brand immediately after its entry into a small regional market. Using anonymized mobile location data from the first twenty-nine weeks of a new Starbucks location in Anniston, Alabama, the analysis evaluates weekly visitation, repeat behavior, visitor origin distance, trip chaining, and temporal demand. The store opened above its subsequent steady state, indicating activation of preexisting demand rather than a gradual diffusion process. Repeat visitors generated 82.6% of visits within the observation window, showing rapid movement from trial to habitual use. The entrant also exhibited a flatter distance decay gradient than adjacent …

Where Shoppers Look First: How Navigation Bar Design Shapes Visual Attention Online, James Coyle, Linh Nguyen, Lee Hillman

Atlantic Marketing Journal

Abstract

Despite the crucial role that a website navigation bar can play in affecting consumer behavior, there has been a lack of theory-driven studies to investigate how to most effectively design navigation bars. Grounded in cognitive fit theory and visual attention theory, this study investigates how the effects of navigation bar design and content can influence visual processing of an unfamiliar online retailer’s website. A total of 40 subjects participated in a controlled experiment in which we gathered eye-tracking data. We find that navigation bar placement strongly affects how quickly participants locate the navigation bar: an unexpected placement more than …

Reducing Cognitive Load To Strengthen Customer Engagement: The Strategic Role Of Digital Tools, Neda Mossaei, Maryam Tofighi

Atlantic Marketing Journal

This paper examines how advanced technological interfaces, particularly chatbots and augmented reality, influence customer engagement by reducing the cognitive effort required to interact with firms. As digital tools become increasingly embedded in everyday life, companies are leveraging these technologies to streamline communication, personalize experiences, and foster long-term relational outcomes. Guided by cognitive load theory, this study argues that minimizing mental effort in customer–firm interactions improve engagement by making interactions more seamless and intuitive. At the same time, relationship marketing theory emphasizes that reducing cognitive barriers can cultivate customer engagement, trust, and loyalty over time. Together, these perspectives suggest that implementing …

Oct. 2026 - At The Table: How Mda Advocacy Turns Member Concerns Into Action, Timothy Rath

The Journal of the Michigan Dental Association

The cover story provides an in-depth examination of the Michigan Dental Association’s grassroots advocacy framework, highlighting the successful enactment of Senate Bill 105. SB 105 addresses "virtual credit cards" by requiring dental insurers to offer reimbursement options without transaction fees. The article details how MDA staff, legislative leaders, and Political Action Committee (PAC) donors collaborate to identify member priorities, build legislative relationships, and educate policymakers. Emphasizing the essential role of practicing dentists in state capitol discussions, the story illustrates how grassroots participation turns practice challenges into legislative victories.

Oct. 2026 - A Lifetime Of Saying Yes To Service, Timothy Rath

The Journal of the Michigan Dental Association

This biographical feature profiles Dr. Raymond Gist, celebrating his receipt of the key to the city of Flint, Michigan, and his six-decade career in dentistry. Tracing his journey from Flint to becoming the first Black president of the American Dental Association (ADA), the story highlights his dedication to patient care, mentorship, and leadership within organized dentistry. Dr. Gist encourages early-career and underrepresented dentists to embrace leadership roles and community involvement, demonstrating how committing to service elevates the profession and advances oral health equity.

Oct. 2026 - Lead: Find Your Place In The Room, Timothy Rath

The Journal of the Michigan Dental Association

This article spotlights the Michigan Dental Association’s Leadership Exploration And Development (LEAD) program, designed to cultivate early-career dental leaders. Featuring experiences from program participants during a visit to ADA headquarters, the piece highlights insights on emerging practice models, demographic shifts, and membership trends shared by national experts like Dr. Marko Vujicic. The article details how LEAD fosters generational diversity, governance training, and peer networking, encouraging early-career Michigan dentists to apply for upcoming cohort opportunities.

Oct. 2026 - Mastery Creates Presence, Anish Gupta D.D.S.

The Journal of the Michigan Dental Association

Written by oral surgeon Dr. Anish Gupta, this reflective essay explores the connection between clinical mastery and patient-centered hospitality in surgical practice. Defining practice core values as "be the best, do the best" and "unreasonable patient-centeredness," the author illustrates how technical expertise frees clinicians to be fully present and empathetic with anxious patients. The article emphasizes that clinical competence should serve to alleviate patient fear, remove practice friction, and elevate the healthcare experience through mindful, compassionate service.

Oct. 2026 - Mda Insurance: Online Open Enrollment Now Available For Mda Health Plan, Craig Start

The Journal of the Michigan Dental Association

This article details the 2027 health insurance open enrollment process and deadlines for Michigan Dental Association members, their families, and practice staff. It introduces a new, secure online portal via Employee Navigator for managing the MDA Health Plan, specifying enrollment windows for plan sponsors and employees. The guide covers individual Marketplace plans, group health coverages, Medicare Supplement plans, and Medicare Advantage options. MDA Insurance account executives offer personalized assistance to help practice owners and individuals compare plans, navigate coverage choices, and ensure seamless enrollment.

Oct. 2026 - Staff Matters: How Can We Support Employees Who Are Also Caregivers?, Jodi Schafer Sphr, Shrm-Scp

The Journal of the Michigan Dental Association

This human resources column offers actionable advice for dental practice owners on supporting staff members managing caregiving responsibilities for aging parents, spouses, or children. Recognizing the financial and operational constraints of small dental practices, the author outlines low-cost supportive strategies, including flexible scheduling, clear communications, and empathetic management. Practice leaders are encouraged to establish consistent time-off request protocols, train managers to respect employee privacy, and connect staff with community caregiver resources and employee assistance programs to maintain staff retention and practice productivity.

Oct. 2026 - Dentistry And The Law: Dealing With An Unlicensed Employee, Daniel Schulte Jd

The Journal of the Michigan Dental Association

This legal column addresses the severe regulatory and legal risks of employing a dental hygienist whose license has lapsed. MDA Legal Counsel explains that under Michigan law (MCL 333.16222(1)), licensed health care professionals are mandatory reporters and must notify the Michigan Department of Licensing and Regulatory Affairs (LARA) upon learning of unlicensed practice. Continuing to employ an unlicensed hygienist exposes the dental practice to administrative sanctions, loss of licensure, and liability. Practice owners are advised to verify employee licenses regularly and screen for unresolved administrative complaints

Oct. 2026 At Your Service - Answers On Address Changes, Staff Credentials, And Retirement, Mda Membership Department Staff

The Journal of the Michigan Dental Association

This member service Q&A feature provides practical administrative guidance for Michigan Dental Association members. It addresses legal requirements regarding patient requests for dental hygienist licensing credentials, clarifying that practices must provide names but are not required to provide license numbers. It outlines retirement procedures, detailing eligibility for reduced dues, retired life membership status, and continued participation in continuing education and volunteer initiatives. Additionally, the article guides members on seamlessly updating home address information and personal profiles using the online MDA Member Compass portal.

Oct. 2026 From The Editor - Advocacy Works. We've Seen It., Romesh Nalliah

The Journal of the Michigan Dental Association

In this editorial, the Editor-in-Chief emphasizes the vital role of professional advocacy in protecting patients and sustaining dental practices. Drawing inspiration from historical advocacy efforts, such as Benjamin Ricci's fight for institutionalized care standards, the article highlights recent victories achieved by the Michigan Dental Association. Key achievements include securing increased Medicaid reimbursement rates after decades of stagnation and advocating for the passage of Senate Bill 105 to eliminate burdensome virtual credit card fees. The author underscores that health policy change requires active engagement from dentists advocating on behalf of their patients and profession.

J Mich Dent Assoc Oct. 2026

The Journal of the Michigan Dental Association

The October 2026 issue of the Journal of the Michigan Dental Association highlights advocacy, leadership, clinical practice, and practice management for Michigan dentists. The cover story examines how MDA advocacy led to the passage of Senate Bill 105, prohibiting forced virtual credit card transaction fees. Features include a profile on Dr. Raymond Gist, first Black ADA president; clinical guidance on caries management with Dr. Melissa Seibert; insights from the LEAD leadership program; and surgical mindfulness by Dr. Anish Gupta. Regular departments cover unlicensed employee legalities, supporting caregiver employees, open health insurance enrollment, and MDA organizational updates.

The Role Of Risk-Based Audit Quality In Enhancing Financial Control Efficiency And Mitigating Financial Corruption In Iraqi Banks In Light Of The Ippf 2024 Framework, Nadia Talib Salman

Muthanna Journal of Administrative and Economics Sciences

The study investigates the relationship between risk-based audit quality, financial oversight efficiency and financial corruption reduction in banks listed on the Iraq Stock Exchange in the years 2008–2025 by applying International Professional Practices Framework (IPPF) 2024. A composite risk-based audit quality index was created which included auditor independence, auditor professional qualification, frequency of audit committee meetings, and auditor presence of a formal risk committee. Thirty three hundred annual reports were processed using AI-supported structured extraction with the Gemini API, resulting in an unbalanced final panel of 303 bank-year observations from 20 banks. Random Effects and some robustness and diagnostic tests …

The Role Of Organizational Passion In Reducing Counterproductive Work Behavior: A Field Study At The College Of Administration And Economics, University Of Fallujah, Mustafa Amjed Ibrahim, Zaid Khawam Mahmood, Wael Ismail Khalaf

Muthanna Journal of Administrative and Economics Sciences

This research aims to analyze the role of organizational passion in reducing negative work behavior among employees at the College of Administration and Economics, University of Fallujah. The research employed a descriptive-analytical approach, utilizing a questionnaire as the primary data collection tool. For data analysis, the researchers used (Smart PLS v.4) and (SPSS 28 The research community included 127 individuals, but the research sample was made up of 104 college members, and when the questionnaire was distributed the exact number retrieved was 97. The research concluded that there is a strong and statistically significant relationship between organizational passion and negative …

The Impact Of Financial Depth Indicators On Economic Growth In Iraq For The Period 2004-2024, Fatima Latif Alwan, Diaa Hussein Saud

Muthanna Journal of Administrative and Economics Sciences

This research aims to highlight the impact of financial depth indicators on economic growth in Iraq during the period (2004-2024). It employs a quantitative approach to measure the relationship between the variables under investigation using the Autoregressive Distributed Lag (ARDL) model. The study concludes that the increase in the deposit index and broad money supply does not necessarily reflect genuine development in financial intermediation. Rather, it largely stems from increased cash liquidity outside the banking system and weak confidence in the financial system. Furthermore, the expansion of bank credit has not effectively translated into economic growth because a significant portion …

The Impact Of Inclusive Leadership On The Quality Of Banking Services An Analytical Study Of A Sample Of Private Bank Employees In Iraq, Kamal Kadhim Al-Hassani, Iltifat Abdullah Touma

Muthanna Journal of Administrative and Economics Sciences

This study aims to explore the relationship between inclusive leadership and banking service quality in the Iraqi private banking sector. The study adopted a descriptive–analytical approach, and data were collected through questionnaires distributed to (280) employees working in private banks in Iraq. The questionnaire was used as the main data collection instrument, and Structural Equation Modeling (SEM) was employed using the AMOS program to analyze the data and test the hypothesized relationships among the study variables. The results showed a positive and statistically significant relationship between inclusive leadership and banking service quality, reflecting the vital role of comprehensive and supportive …

Impact Of Digital Transformation On Earnings Quality: A Sample Of Commercial Banks Listed On The Iraq Stock Exchange (Isx), Ahmed Neamah Abed

Muthanna Journal of Administrative and Economics Sciences

This research will examine how digital transformation influences the quality of earnings of the commercial banks in the Iraqi Stock Exchange. The research problem is that there is no clear picture of what constitutes the relationship between investment in digital assets and the quality of earnings and there is debate on whether digital transformation helps in improving the quality of earnings or that it does not have a significant effect, especially in the new banking environment like Iraq.
The importance of the study is the fact that it presents direct quantitative data of this relationship through the quantifiable financial indicators. …

Artificial Intelligence As Enabler And Object Of Strategic Foresight: A Theoretical Framework For Digital Organisational Transformation, Eduardo Carlos Dittmar, Martin Sposato, Jenny Patricia Vargas Portillo

All Works

Purpose – Research on artificial intelligence (AI) in organisations has concentrated on operational efficiency and automation. This study aims to reposition AI as both a constitutive element and a strategic object of foresight, a dual role the literature has noticed but not theorised. Design/methodology/approach – A narrative literature review draws peer-reviewed work from foresight studies, socio-technical systems theory and organisational change into an integrated analytical framework. Selection prioritised conceptual contribution, transparency of reasoning and relevance to AI in strategic futures thinking. Findings – AI strengthens environmental sensing, complex modelling and scenario work under uncertainty. The framework has four components: inputs, …

The Impact Of Earnings Quality On Firm Value: The Mediating Role Of The Cost Of Capital, Mostafa Abd Alhussen Ali, Ahmed Jamal Kadhim, Ali Abdulamer Kadhim

Muthanna Journal of Administrative and Economics Sciences

The effect of earnings quality on firm value is examined and whether the cost of capital is a mechanism that provides economic linkages between earnings quality and corporate valuation is tested.
The study uses archival panel data for 40 non-financial companies, which are listed on the Iraq Stock Exchange, in the four sectors of industry, hotels and tourism, agriculture, and telecommunication. The performance-matched discretionary accrual is used as the measure of earnings quality, Tobin's Q as a measure of firm value and the weighted average cost of capital (WACC) as a measure of cost of capital. The hypotheses are tested …

Determining The Optimal Ratio Of Foreign Currency In Commercial Banks: An Analytical Study Of Exchange Rates, Abbas Ebd Al-Khudair Al-Shalan

Muthanna Journal of Administrative and Economics Sciences

The research aimed to help commercial banks avoid losses resulting from currency differences between the Iraqi Dinar and the US Dollar in their banking transactions and to estimate the optimal ratio for dealing in dollars. The research proved the impact of exchange rate fluctuations on local inflation rates and demonstrated the possibility of determining the optimal ratio for commercial banks' transactions in foreign currency, which avoids currency difference losses in their commitments and investments, as well as liquidity reduction risks. The research was conducted on a set of data on exchange rate fluctuations and inflation rates during the period (2005-2024). …

Examining The Role Of Digital Data In Supporting Financial Inclusion Through Fintech Services In Banks, Mohammed Sadiq Hlail Dhuwayhi, Alaa Nadim Odeh Attia, Dhulfiqar Hameed Abed Jaber

Muthanna Journal of Administrative and Economics Sciences

This paper attempts to explore the connection between the investment in digital data and the practice of financial inclusion through financial technology (FinTech) services in banks. The study applied a descriptive-analytic design and collected data using a questionnaire to a sample of employee of banking-sector. Statistical analysis has provided statistical significance regarding the positive relationship between the use of digital data and FinTech services, on the one hand, and the level of financial inclusion, on the other. It was also revealed that the quality of digital information and its integration with technological services can increase the availability of financial services …

The Sustainable Balanced Scorecard And Its Role In Performance Measurement And Evaluation To Achieve A Sustainable Competitive Advantage: A Case Study At Baghdad Soft Drinks Company, Amer Mansoor Hasoon, Basima Naser Hossein

Muthanna Journal of Administrative and Economics Sciences

The purpose of this research is achieving the Sustainable Balanced Scorecard (S.B.S.C) (financial and non-financial) in the measurement and evaluation of the performance for having a sustainable competitive advantage in Baghdad Soft Drinks Company in Iraq. In the research method in the theoretical part, the method used is deductive and then in the practical part in the company (the object of the research) is used by inductive method to realize the research objectives. It applies for the financial statements for 2023, 2024 and 2025. The previous data of the financial department of the company (accounting formulas subject) were merged and …

Human Capital Quality, Innovation And Economic Growth In Emerging Economies, Sajjad Karim Al-Juthaier

Muthanna Journal of Administrative and Economics Sciences

Objective: This study aims to uncover the long-term relationship and dynamics between local innovation, economic growth, and human capital quality in emerging markets and developing economies.
Methodology: The study employed Panel Distributed Lag Autoregressive (ARDL) and Nonlinear Autoregressive (NARDL) model frameworks for data analysis. The Human Capital Quality Index (HCQI) was developed over time (from 2015 to the present) for 52 countries, demonstrating a long-term and short-term asymmetric cointegration relationship between these data, exhibiting both symmetrical and asymmetrical patterns across different periods and within their respective sample intervals.
Results: The results revealed explanatory threshold effects, indicating that the optimization benefits …

Oil Revenues As A Driver Of Macroeconomic Shocks: A Structural Vector Autoregression (Svar) Analysis Of The Interlinkages Among Economic Growth, Inflation, And Exchange Rate In Iraq, Wafi Salam Sulaiman Al-Suwaidi, Saif Al-Din Muhannad Abdul Qadir Al-Sarraf

Muthanna Journal of Administrative and Economics Sciences

This study investigates the structural impact of oil revenue shocks on the Iraqi economy over the period 1990–2024 using a Structural Vector Autoregression (SVAR) model. The analysis focuses on the dynamic interactions among oil revenues, economic growth, inflation, and the exchange rate. The results of the Phillips–Perron unit root test indicate that all time-series variables are stationary at level, justifying the estimation of the model in levels. The findings reveal that oil revenue shocks exert an immediate and statistically significant effect on inflation, whereas no significant contemporaneous impact is observed on either economic growth or the exchange rate. Furthermore, the …

“The Role Of Cyber Marketing In Achieving Marketing Share: “An Exploratory Study Of The Opinions Of A Sample Of Dairy Factory Employees In Mosul City”, Raad Yousif Waadallah Hussein, Rana Salem Mutab Al-Jubouri

Muthanna Journal of Administrative and Economics Sciences

This research aims to examine the role of cyber marketing—encompassing the dimensions of cyber attraction, cyber retention, cyber communication, and cyber learning—in achieving market share for dairy plants in Mosul. This study is conducted against the backdrop of a rapidly evolving competitive environment and the growing digital transformation within local markets. Its significance stems from the need for dairy plants to adopt modern marketing strategies that enhance their ability to reach customers, increase sales, and improve their competitive standing. The study employs a descriptive-analytical approach, utilizing SPSS (Version 26) and Smart PLS software. Data were collected from a sample of …