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Articles 121 - 150 of 265
Full-Text Articles in Tourism and Travel
Advances In Global Business And Economics: Volume 2, Cihan Cobanoglu, Muhittin Cavusoglu, Abdulkadir Corbaci
Advances In Global Business And Economics: Volume 2, Cihan Cobanoglu, Muhittin Cavusoglu, Abdulkadir Corbaci
University of South Florida (USF) - M3 Publishing
This is the second volume of the Advances in Global Business and Economics Book Series. This volume has the following parts:
- Part 1: Accounting
- Part 2: Consumer Behavior
- Part 3: Corporate Finance & Governance
- Part 4: Economics
- Part 5: Education & Training
- Part 6: Environmental Issues/Sustainability & Green Tourism
- Part 7: Finance & Banking
- Part 8: Food and Beverage Management
- Part 9: Hospitality & Tourism/Smart Tourism
- Part 10: Human Resource Management
- Part 11: Innovation & Entrepreneurship
- Part 12: International Trade
- Part 13: Leisure Management
- Part 14: Management
- Part 15: Social Science Studies
- Part 16: Technology/E-Business/Social Media
ISBN: 978-1-7321275-5-5
An Overview And Analysis Of The Impacts Of Extreme Heat On The Aviation Industry, Brandon T. Carpenter
An Overview And Analysis Of The Impacts Of Extreme Heat On The Aviation Industry, Brandon T. Carpenter
Pursuit - The Journal of Undergraduate Research at The University of Tennessee
Weather is a common cause of flight delays and cancellations. However, the vast majority of the time when thinking about weather and its effect on aviation, winter conditions such as snow come to mind. Heat is usually one of the last types of weather we associate with airline challenges. Recently, a bomb cyclone made headlines for the disruptions it caused with travel, especially at John F. Kennedy International Airport. Interestingly, the exact opposite of winter weather conditions can cause just as many challenges. During the summer of 2017, a number of flights at various airports such as Phoenix Sky Harbor …
The Effect Of Website Quality On Repurchase Intention With The Mediation Of Perceived Value: The Case Study Of Online Travel Agencies In Vietnam, Huyen Pham, Thu Nguyen
The Effect Of Website Quality On Repurchase Intention With The Mediation Of Perceived Value: The Case Study Of Online Travel Agencies In Vietnam, Huyen Pham, Thu Nguyen
Journal of Global Business Insights
The sharing economy is getting broader with its non-ownership assets, better use of resources, lower prices, and more customized products (Belk, 2014). In tourism industry, the development of the sharing economy involved the emergence of online travel agencies (OTAs) who are intermediates between services providers and consumers, provide accommodations, transport services, food and beverages services, tour guide services, etc. (Skalska, 2017). Recently, Vietnam has experienced a rapid growth in the number of users booking tourism products and services through OTAs. Playing such an important role in the tourism market, it is essential for OTAs to retain customers which later bring …
An Analysis Of Tourism’S Impact On Our Modern World And Possible Solutions To Creating Sustainable Tourism Management, Morgan Hack
An Analysis Of Tourism’S Impact On Our Modern World And Possible Solutions To Creating Sustainable Tourism Management, Morgan Hack
Senior Honors Projects, 2010-2019
→ This is an in-depth analysis of how tourism impacts communities around the world, looking at four specific case studies, taking into account each nation’s human development index (HDI), population, location, and the number of tourists traveling to these destinations each year. The research concentrates on the strengths and weaknesses of each city’s tourist management practices, and then there are proposed solutions based on their needs and available resources. When talking about sustainable tourism, it is essential to understand it in terms of future maintainability. Sustainable tourism is defined as “tourism that takes full account of its current and future …
2019 Icrcc Proceedings Table Of Contents, Conference Organizers
2019 Icrcc Proceedings Table Of Contents, Conference Organizers
International Crisis and Risk Communication Conference
These proceedings are a representative sample of the presentations given by professional practitioners and academic scholars at the 2019 International Crisis and Risk Communication Conference (ICRCC) held March 11-13, 2019. The ICRCC is an annual event that takes place the second week in March in beautiful sunny Orlando, Florida. The conference hosts are faculty and staff from the Nicholson School of Communication. The goal of the ICRCC is to bring together prominent professional practitioners and academic scholars that work directly with crisis and risk communication on a daily basis. We define crisis and risk broadly to include, for example, natural …
An Assessment Of The Factors Influencing The Selection Of The Best Carsharing Alternative In Portland Area Using Hierarchical Decision Modeling (Hdm), Saeed Alzahrani, Ahmed Alzahrani, Xuran Dai, Wei-Chen Hsu, Rashi Tiwari
An Assessment Of The Factors Influencing The Selection Of The Best Carsharing Alternative In Portland Area Using Hierarchical Decision Modeling (Hdm), Saeed Alzahrani, Ahmed Alzahrani, Xuran Dai, Wei-Chen Hsu, Rashi Tiwari
Engineering and Technology Management Faculty Publications and Presentations
Carsharing is a business model of car rentals that allows consumers to benefit from a private vehicle for short periods while being relieved of the costs of the purchase and maintenance. Carsharing is a growing industry and some players are trying to get a hold in the already competitive market. The current transportation market offers consumers many options for buying a vehicle, but fewer practical options for using a vehicle occasionally. Carsharing provides the benefits of allowing easy access to vehicles spread across the city that are rented per an hour or day. It is an increasingly common option for …
From Dreaming To Believing: A Review Of Consumer Engagement Behaviours With Brands’ Social Media Content Across The Holiday Travel Process, Dean Creevey, Etain Kidney, Glenn Mehta
From Dreaming To Believing: A Review Of Consumer Engagement Behaviours With Brands’ Social Media Content Across The Holiday Travel Process, Dean Creevey, Etain Kidney, Glenn Mehta
Articles
This paper reviews social media user engagement behaviours with brands and proposes a new stage within the travel process. Specifically, the pre-trip stage is examined and investigation into a two sub-stage split is proposed; pre-purchase and post-purchase. Dubbed the Believing phase, this paper calls for research into the patterns of engagement behaviour towards hotel brands’ content at this currently under-researched stage. Current social media-focussed research examines influence on purchasing decisions of users, social media usage on-site, and post-trip evaluation. There remains a conceptual gap highlighting the behavioural patterns of users during the period between initial purchase and subsequent departure.
Lifestyles, Income, Health Factors, And Life Satisfaction Of Older Hispanic Adults, Gina Fe G. Causin Ph.D., Hyunsook Kang Ph.D., Mary S. Olle Ph.D.
Lifestyles, Income, Health Factors, And Life Satisfaction Of Older Hispanic Adults, Gina Fe G. Causin Ph.D., Hyunsook Kang Ph.D., Mary S. Olle Ph.D.
Journal of Human Services: Training, Research, and Practice
The aim of this study was to explore to what extent life styles, income, and health factors contribute to the life satisfaction of Hispanic older adults. A secondary data analysis from a national survey of Hispanic Established Populations for the Epidemiologic Study of the Elderly (HEPESE) (Markides, Ray, Angel, & Espino, 2012) was used. Subjects were Hispanic older adults (over 75 years, n = 1542). For this study, Hispanics and Latinos were considered as one and the same. A two-step hierarchical regression was conducted to address the research question. The results showed health status and income were unique predictors in …
Reflective Practice Series: Selected Instructional Models Using Synchronous Video Conferencing Software, Martin W. Sivula
Reflective Practice Series: Selected Instructional Models Using Synchronous Video Conferencing Software, Martin W. Sivula
MBA Faculty Conference Papers & Journal Articles
With the vast array of resources available to instructors, one would think that instruction and teaching would yield success for all learners. Now, well into the 21st century has much changed in the classroom? Certainly, movable desks and chairs, advanced audio and visual equipment, and a plethora of all types of technologies which might be able to enhance training and education. Over the last several decades research on individualized instruction, cognitive science, educational psychology, and multimedia instruction (to name a few) have permeated the literature on instruction. With all the research and the vast array of studies on improving …
"We Just Treat Everyone The Same": Lgbtq Aquatic Management Strategies, Barriers And Implementation, Austin R. Anderson, Eric Knee, William D. Ramos, Tiffany Monique Quash
"We Just Treat Everyone The Same": Lgbtq Aquatic Management Strategies, Barriers And Implementation, Austin R. Anderson, Eric Knee, William D. Ramos, Tiffany Monique Quash
International Journal of Aquatic Research and Education
This study examined the management of aquatic venues in a number of areas (facilities, programming, human resource management, marketing, policies) as it pertains to LGBTQ participants and participation. The study utilized in-depth semi-structured interviews with 16 aquatic managers to examine steps that are currently being taken (or lack thereof) when it comes to creating environments that are perceived to be open, or closed, to LGBTQ participants. A grounded theory-based process of data collection and analysis resulted in emergent themes. These themes included: (a) gendered spaces, (b) non-aquatic initiatives, (c) staff knowledgeability, (d) departmental and organizational mission, (e) aquatic-specific programming and …
Penatalaksanaan Okupasi Terapi Dalamaktivitas Menggunakan Beha Dengan Konsep Bobath Pada Pasien Stroke Hemiparesis Sinistra Di Klinik Sasana Husada, Hidayati, E. R. N, Arum Pratiwi, Rita Aliya
Penatalaksanaan Okupasi Terapi Dalamaktivitas Menggunakan Beha Dengan Konsep Bobath Pada Pasien Stroke Hemiparesis Sinistra Di Klinik Sasana Husada, Hidayati, E. R. N, Arum Pratiwi, Rita Aliya
Jurnal Vokasi Indonesia
Stroke is brain attack due to vascular injury that can damage the brain permanently because of neurologist disorder. The purpose of this intervention is to improve patient's ability to wear bras according to Occupation Therapy's view. The method that will be used to improve the patient ability who suffer from function disorder, movement, and control due to the lesion in the central nerve system is Bobath Concept. By giving eight times intervention, it can be seen that there is improvement postural control and less pain in the shoulder area when it moved. The result of this shows that there is …
Comparative Study: Reducing Cost To Manage Accessibility With Existing Data, Claire Chu, Bill Kerneckel, Eric C. Larson, Nathan Mowat, Christopher Woodard
Comparative Study: Reducing Cost To Manage Accessibility With Existing Data, Claire Chu, Bill Kerneckel, Eric C. Larson, Nathan Mowat, Christopher Woodard
SMU Data Science Review
“Project Sidewalk” is an existing research effort that focuses on mapping accessibility issues for handicapped persons to efficiently plan wheelchair and mobile scooter friendly routes around Washington D.C. As supporters of this project, we utilized the data “Project Sidewalk” collected and used it to confirm predictions about where problem sidewalks exist based on real estate and crime data. We present a study that identifies correlations found between accessibility data and crime and housing statistics in the Washington D.C. metropolitan area. We identify the key reasons for increased accessibility and the issues with the current infrastructure management system. After a thorough …
Glossary Of Business Evidence, Paul C. Boyd
Glossary Of Business Evidence, Paul C. Boyd
MBA Faculty Conference Papers & Journal Articles
No abstract provided.
Brand Loyalty To Disney Theme Parks In Mainland China, Megan E. Pepi
Brand Loyalty To Disney Theme Parks In Mainland China, Megan E. Pepi
Honors Thesis
Since 2005, Disney has attempted but failed to establish brand loyalty among Chinese consumers in the theme park market. Disney is going to retry achieving this goal through Shanghai Disney Resort, which is a theme park that opened on June 16, 2016. Facing its past failures, the challenges of appealing to unique Chinese cultural preferences, and having to cooperate with a restrictive government system, will Disney be able to implement its authentic brand identity and establish brand loyalty among Chinese consumers through its new theme park? To answer this question, a qualitative analysis of the entertainment offered at Shanghai Disney …
Technological Mediated Applications At Sacred Heritages: Usefulness And Challenges- A Managerial Perspective, Vreny Enongene
Technological Mediated Applications At Sacred Heritages: Usefulness And Challenges- A Managerial Perspective, Vreny Enongene
Conference papers
The rapid development of technologies introduces smartness to all organisations and communities (Buhalis, & Amaranggana, 2014. P. 553), for which sacred heritages are no exception, as evident in their increasing use of technological mediated applications towards enhancing the visitors experience and data generation. This development in the use of technological applications, has in part been triggered by the identified changing needs and expectations of contemporary sacred site visitors, as well as their importance and role in changing the nature of the consumers expectations and the nature of the visitor’s experience.
Thus, applying these smart tourism concept in addressing the changing …
Assessment Of The Evolving Low-Cost Business Model For The Future Importance Of U.S. Secondary Airports, Nurettin Dinler, William B. Rankin
Assessment Of The Evolving Low-Cost Business Model For The Future Importance Of U.S. Secondary Airports, Nurettin Dinler, William B. Rankin
International Journal of Aviation, Aeronautics, and Aerospace
Airline deregulation caused a profound reshape in the aviation industry. The liberalization of the aviation sector resulted in a favorable environment for the emergence of low-cost carriers (LCCs). Following deregulation, airlines saw many attempts at their business strategies to gain more passengers in the air transportation market. To capture additional market shares of passenger traffic, the business models of LCCs have evolved to mirror the more common business models employed by the traditional legacy airlines. The purpose of this paper was to examine what effect, if any, exists between LCCs’ market share of passenger enplanements at secondary airports and their …
Pandangan Lulusan Prodi Manajemen Informasi Dan Dokumen Programpendidikan Vokasi Ui Terhadap Pekerjaan Di Bidang Perpustakaan Dan Kearsipan, Dyah Safitri
Jurnal Vokasi Indonesia
The need for human resources with expertise in managing information is needed. As the amount of arsiparist power with the need for power is far from balanced. The need for librarians is also very high in managing information. The purpose of this research is to know the views of graduates of the 2014 MID program that graduated in 2017 to the profession they will undergo. The study used the online survey method of MID student program class of 2014. The results showed that softskill and hardskill from lecture subject taught to them felt will support their profession forward. From the …
Event Planner Sensitivity To The Needs Of Individuals With Visual Disability At Meetings And Events, Gina Fe G. Causin Ph.D., Tessa Mccarthy Ph.D.
Event Planner Sensitivity To The Needs Of Individuals With Visual Disability At Meetings And Events, Gina Fe G. Causin Ph.D., Tessa Mccarthy Ph.D.
Journal of Human Services: Training, Research, and Practice
Special events, such as fairs, conventions, ballgames, and concerts are typically activities people attend to participate in the festivities and enjoy with friends and family members. For individuals with disabilities, however, these types of events can create more challenges than enjoyment. Despite a thorough review of the literature, no studies were found which evaluated the experiences of individuals who are blind and have visual impairments at events and meetings. The aim of this study was to determine the current level of accessibility at meetings perceived by consumers who are blind and visually impaired. Respondents to the survey indicated many obstacles …
Assessing Tourists’ Preferences For Recreational Trips In National And Natural Parks As A Premise For Long-Term Sustainable Management Plans, Diana E. Dumitras, Iulia C. Muresan, Ionel M. Jitea, Valentin C. Mihai, Simona E. Balazs, Tiberiu Iancu
Assessing Tourists’ Preferences For Recreational Trips In National And Natural Parks As A Premise For Long-Term Sustainable Management Plans, Diana E. Dumitras, Iulia C. Muresan, Ionel M. Jitea, Valentin C. Mihai, Simona E. Balazs, Tiberiu Iancu
Agricultural Economics Faculty Publications
Sustainable tourism management plans rely on relevant and consistent information about factors that can influence the decision to visit a protected area. This paper uses the choice experiment method to investigate tourists’ preferences with regard to recreational trip characteristics in national and natural parks in Romania. An on-site survey questionnaire was administered to visitors. The multinomial logit model was employed to investigate the preference orderings of the identified groups of recreational users. Overall, results indicate that tourists gain benefits after visiting the parks. Main preference differences were found for information sources and location of campsites. Visitors who stated that the …
The Link Between Job Satisfaction And The Intention To Leave Among Casino Employees, Oliver Wayne Aho
The Link Between Job Satisfaction And The Intention To Leave Among Casino Employees, Oliver Wayne Aho
Doctor of Business Administration (DBA)
Job turnover has long plagued the hospitality and tourism industry. The casino segment of this industry is particularly vulnerable to excessive staff turnover due to the face-toface interaction between gamblers and gaming company employees. The relationship between job satisfaction and job turnover has been explored in numerous industries. This research study used correlational research, linear regression, and descriptive statistics to examine the intrinsic, extrinsic, and general factors of job satisfaction and its influence on the intent to leave for all employees and the employees of the security, housekeeping, and beverage departments of a major casino operation. Additionally, the variables of …
Kecurangan Dan Perlindungan Konsumen Asuransi, Ketut Sendra
Kecurangan Dan Perlindungan Konsumen Asuransi, Ketut Sendra
Jurnal Vokasi Indonesia
Establishing a national economy that can grow suatainably and stable, requires the financial service sectors conducting its business in a well organized, fair, transparent and accountable manner, and be able to protect the consumer’s and public’s interests. Transparency, fairness, reliability, confidentiality, security of consumer’s data and/or information, fast, simple complaint handling and affordable dispute resolution cost become the principles of consumers protection in the financial services sector. The common motive to conduct an insurance fraud is economical reason, that is for obtaining a financial benefit/advantage. Broadly, a fraud in insurance can be classified into 3 (three) main dimensions: dimension of …
Kepuasan Pengguna Pelayanan Park And Ride Di Dki Jakarta (Studiperbandingan Antara Park And Ride Terminal Ragunan Dan Terminal Kampung Rambutan), Rizki Darmawan, Mohammad Riduansyah
Kepuasan Pengguna Pelayanan Park And Ride Di Dki Jakarta (Studiperbandingan Antara Park And Ride Terminal Ragunan Dan Terminal Kampung Rambutan), Rizki Darmawan, Mohammad Riduansyah
Jurnal Vokasi Indonesia
Park and ride parking facilities support a Transjakarta bus and made for the purpose of attracting the interest of private vehicle users in order to switch to mass transit so as to reduce the use of private vehicles in the city. Satisfaction of the users is a measure of the viability and success of the park and ride which was created and is run by the Jakarta administration. The purpose of this study was to describe the customer satisfaction with park and ride facilities provided by the Jakarta administration as supporting public transportation in Jakarta. This research approach using quantitative …
Investigation Of Intercalation Of Sodium-Montmorillonite With Octadecyl Trimethyl Ammonium Bromide Surfactant, Chandra J. Soegijono. B
Investigation Of Intercalation Of Sodium-Montmorillonite With Octadecyl Trimethyl Ammonium Bromide Surfactant, Chandra J. Soegijono. B
Jurnal Vokasi Indonesia
Sodium-montmorillonite (Na+-MMT) was intercalation modified with octadecyl trimethyl ammonium bromide (OTAB) in aqueous suspension via an ion exchange mechanism. Fourier transform infrared spectroscopy (FTIR) study indicates that OTAB is successfully intercalated into Na+-MMT layers and/or adsorbed on the surface of Na+-MMT. X-ray diffraction (XRD) analysis revealed that the interlayer spacing of the Na+-MMT was extended with the content of OTAB increasing, and the maximum spacing can reach about 3.80 nm. Results of scanning electron microscopy (SEM) analysis reveals the morphologies change from spherical-like particles to high-aspect ratio flakes after modification. Different configurations of OTA+ chains within MMT interlayer are proposed …
Analysis Of Iodine Content In Table Salt, Eka Ratri Noor Wulandari, Novita Rosyida
Analysis Of Iodine Content In Table Salt, Eka Ratri Noor Wulandari, Novita Rosyida
Jurnal Vokasi Indonesia
Iodine is an essential nutrient for the human body. It is required by the thyroid gland for producing the thyroxine hormone. Human body lacks the ability to self-produce iodine. Some sources of iodine in food such as seafood, milk, egg, fruits, and vegetables can be consumed to fulfill the daily needs. Table salt is one of the sources of iodine that is routinely consumed. According to SNI No. 3556:2010, table salt must be fortified with 30–80 ppm of potassium iodate. Lack of iodine intake results in a disorder known as the iodine deficiency disorder, which is generally manifested as mumps. …
Traditional Medicinal Plants As An Element Of Thematic Garden Landscapeat Sman 1 Pondidaha, Konawe Selatan, Sulawesi Tenggara, Arman Faslih, Ainussalbi Al Ikhsan, Agung Yodha M, Wahyuni Wahyuni
Traditional Medicinal Plants As An Element Of Thematic Garden Landscapeat Sman 1 Pondidaha, Konawe Selatan, Sulawesi Tenggara, Arman Faslih, Ainussalbi Al Ikhsan, Agung Yodha M, Wahyuni Wahyuni
Jurnal Vokasi Indonesia
Knowledge of traditional medicinal plants among teenagers are quite low, that caused by the information is very limited as well as the difficulty of obtaining real-life examples of traditional medicinal plants. Those inspired us to cooperate with SMAN 1 Pondidaha District Konawe (Sulawesi Tenggara) in an effort to provide solutions to these problems. SMAN 1 Pondidaha has vacant land large enough. Through IbM program (Ipteks bagi Masyarakat, science and technology for the People) Ministry or Research and Technology and Higher Education, we made thematic landscape in SMAN 1 Pondidaha locations using traditional medicinal plants as fillers garden or park. The …
Tinjauan Atas Asas Keadilan Dan Kemudahan Administrasi Pajak Dalampengenaan Pajak Penghasilan Final 1% Terhadap Wajib Pajak Umkm, Fitria Arianty
Tinjauan Atas Asas Keadilan Dan Kemudahan Administrasi Pajak Dalampengenaan Pajak Penghasilan Final 1% Terhadap Wajib Pajak Umkm, Fitria Arianty
Jurnal Vokasi Indonesia
The purpose of Final Tax Policy for SMEs is to increase tax revenue from the SMEs sector, which is classified as an underground economy activities because of their economy activity is not detected by conventional tax collection system. The application of this Final Tax Policy emphasizes The Principle Ease of Tax Administration ignoring The Principle of Equity, so that SMEs are included in the database Taxpayers Directorate General of Taxation, to then be able to carry out their tax liability. The research method is descriptive qualitative approach. The data obtained are primary and secondary data that can be used as …
Industrial-Based Learning (Ibl): Promoting Excellent On Polytechnics And Vocational Higher Education, Ismet P. Ilyas, Transimissia Semiawan
Industrial-Based Learning (Ibl): Promoting Excellent On Polytechnics And Vocational Higher Education, Ismet P. Ilyas, Transimissia Semiawan
Jurnal Vokasi Indonesia
The industrial sector plays an important role in the national and global economy. A significant global change has shaped many industries recently: That is, industrial operation modes have shifted from local to global markets. Digital business and the implementation of extended enterprise are becoming a new playground and have become strategies for survival. Based on this, we find that more practical and business-oriented education (polytechnics and vocational higher education (PVHE), specifically) is actively participating and playing an important role in industrializing the nation. The current and future competitiveness of national industry depends on highly educated and motivated professionals, as their …
Tsirik - Fold The Leaves So That Others May Be Guided: A Study Of How The Bribri Women Are Preserving Their Culture To Ensure A Sustainable Future For Their Community, Emily R. Blau
Capstone Collection
Bananas are one of Costa Rica’s largest exports, along with coffee, palm oil, and cocoa. The banana plantations are large-scale, are most often run by multinational companies, and are considered to be run as enclave economies (Equal Exchange, 2016). This monoculture crop production has been globally accused of human rights abuses said to include, but not be limited to, violating the rights of indigenous people and loss in culture and tradition. For this paper, I studied the effects that large-scale agricultural corporations have on the BriBri, a matriarchal and indigenous group who live on the Caribbean coast of Costa Rica. …
Network Carriers’ Strategic Decision With Low Cost Carrier Entry, Tamilla Curtis
Network Carriers’ Strategic Decision With Low Cost Carrier Entry, Tamilla Curtis
Publications
Good decisions require that each decision-maker accurately predicts the strategic moves of the other parties. Dealing with prospective low-cost carrier (LCC) entrants is critical for global network airlines. This research focused on two main issues. First, it investigates competitive reaction by established US airlines when they face an LCC entrant in the less congested, small-sized US regional airports. Second, it examines which of the market indicators are most likely to influence airline fares out of small regional airports with the LCC entry. While the first stage of research demonstrated mixed results and did not discover any patterns in airline behaviour …
Tata Kelola Dan Metode Promosi Industri Perbankandalam Meningkatkan Pemahaman Literasi Keuangan Nasabah, Deni Danial Kesa
Tata Kelola Dan Metode Promosi Industri Perbankandalam Meningkatkan Pemahaman Literasi Keuangan Nasabah, Deni Danial Kesa
Jurnal Vokasi Indonesia
A public company is in need of good corporate governance (GCG) and the right marketing strategy. This will affect the image of a company in attracting potential investors. Promotion methods and conditions of a bank will affect the height of low levels of financial literacy clients. When the portfolio shows that they are at risk of making errors of financial decision makers, customers tend to use the service at relatively liquid bank in consultation with adequate information services. Financial literacy services ease the burden on customers in choosing what the decisions related to the assets of its assets (Hackethal et …