customer attitude

The aim of the present study is to conduct a high-order structural analysis of the interaction of economic cost-benefit perception with brand value architecture and to examine the impact of this interaction on customers’ behavioral and attitudinal outcomes in Iranian banking and insurance services. The study attempts to analyze the process of customer behavior formation beyond linear and purely economic models, and from a semantic and interpretive perspective.

The study was conducted with a qualitative approach based on Charms’ constructivist data-driven theorizing. Data were collected through 25 in-depth semi-structured interviews with customers of reputable banking and insurance brands. Sampling was purposive and theoretical until theoretical saturation was reached. Data analysis was conducted through three stages of initial, focused, and theoretical coding using MAXQDA software, version 2020.

The findings indicate that perceived economic cost-benefit alone cannot explain customer behavior and functions mainly as an initial activating condition in the value creation process. The core category identified was “integration and transformation of economic perception within brand value architecture,” conceptualized as a higher order construct formed by four dimensions: perceived value, brand trust, brand image, and emotional value. Brand value architecture acts as a cognitive particularly positive attitudes and psychological commitment ؛play a key mediating role in transferring brand value into behaviors such as loyalty, repeat purchase, and word of mouth advocacy.

The study concludes that customer behavior in financial services emerges through a multi stage, meaning based process. Without a coherent brand value architecture and sustained attitudinal foundations, economic evaluations alone cannot lead to long term value creating behaviors. The results highlight the need for financial service providers to emphasize cognitive, emotional, and meaning-oriented elements in managing brand value and fostering durable customer behaviors.

The main purpose of this research is to provide a destination branding model based on the nostalgia of the tourism industry, so the current research is in the field of applied-developmental research. Also, based on the nature and method, the current research is a descriptive-survey research with a mixed (qualitative-quantitative) approach, which is conducted cross-sectionally in terms of time. The statistical sample in the qualitative section includes 30 academic and market experts related to the tourism industry, which was purposefully non-random and finally reached theoretical saturation with the number of 30 semi-structured interviews. In the quantitative part, the statistical population includes all tourists of Tehran province in 1401, from which a sample of 384 people was selected. The data collection tool in the qualitative part includes a semi-structured interview and in the quantitative part it includes a questionnaire from the qualitative phase. Data analysis was done in qualitative method with database approach and MAXQDA 20 software. Validation of the model was done with partial least squares technique and SmartPLS software. Based on qualitative analysis, the paradigm model of research in six dimensions of causal factors (sometimes from the destination brand, destination brand image, tourist relationship management, tourist participation), background conditions (tourism infrastructure), intervening factors (host tourism culture), strategies (branding) based on nostalgia), central phenomenon (tourism brand development) and consequences (tourist travel decision) were designed. Based on the results obtained from the validation of the model in the quantitative section, it was determined that the proposed model of this research has adequate validity.

The purpose of this research is to investigate the effect of customers' attitudes on their intentions of web rooming with the mediating role of online risk in luxury goods. This research was applied in a descriptive survey method. The statistical population of this research is all customers of online stores in unlimited numbers. The sample size was determined based on Cochran's formula for an unlimited population of 384 people and random sampling method was available. The data collection tool in this research was a questionnaire taken from Shankar et al. (2021) and Choi and Yang (2016). In this research, content validity and construct validity were measured and the reliability of the questionnaire was obtained by calculating the coefficients of factor loadings, Cronbach's alpha and composite reliability. In order to test the hypotheses, the structural equation model and SmartPLS version 2 and SPSS version 19 software were used. The results of data analysis showed that customers' attitudes have a positive and significant effect on their intentions of web rooming in luxury goods. Customers' attitudes have an effect on their intentions of web rooming with the mediating role of online risk in luxury goods.

Due to the growth and spread of the Internet, the creation of Internet-based social media, and the commercialization capabilities of social media for businesses and brands, these social media are considered as a meeting point for customers and businesses. Meanwhile, the owners of brands and businesses prefer to use social media influencers so that the message of their products can reach the customers as quickly and effectively as possible. Social media influencers, depending on their characteristics, are usually active in a specific field, attract many users to their accounts and deliver product messages to customers using their unique and necessary characteristics. Therefore, this research seeks to determine the impact of social media influencers as a source of messages on the attitudes and purchase intentions of customers with the mediating role of self-brand connection.

The current research is an applied and descriptive survey. The statistical population is the Iranian cosmetics consumers who have followed at least one influential person in the field of cosmetics on their Instagram accounts. The research data were collected using a questionnaire. The respondents who took the research questionnaire were 402 people. The validity of the questionnaire was determined by measuring the content validity or CVR and the content validity index or CVI. The reliability of the questionnaire was also evaluated through Cronbach's alpha method. At the end, the collected data were analyzed using the SPSS and Smart Pls software programs.

The demographic investigation in this research was based on four questions about gender, age, marital status, and the amount of money the respondents spent on buying cosmetics per month. More than half of the research population was males, most of them were single, and they were from 20 to 30 years of age. Also, the highest amount spent on cosmetics by the respondents was 200 thousand Tomans per month. The testing of the hypotheses showed the influence of influencer characteristics (attractiveness, expertise, originality, homophily, interaction, trust, and perceived credibility) in social media on the attitudes (image satisfaction and advertising trust) and purchase intention of customers. In the end, we found that the attractiveness (beauty, stylishness, and being fashionable and sexual attractiveness) of the influencer does not affect image satisfaction (the audience's happiness from receiving, collecting, and viewing information about influencers and also interacting with them) and advertising trust. (based on the influencers' information and customers' trust in them) has effects. Expertise (experience, sufficient knowledge, and product recommendation skills of influencers) as another characteristic of an influencer affects image satisfaction but does not affect advertising trust. Originality (being original and creative of the influential person) does not affect image satisfaction and advertising trust. Homophily (having commonalities and similar values with an influential person) affects image satisfaction and does not affect advertising trust. Interaction (easy and quick communication with an influential person) does not affect image satisfaction and advertising trust. Trust (reliability and honesty) does not affect image satisfaction but affects advertising trust. Perceived credibility (that the influential person is reliable and can convince) affects image satisfaction and advertising trust. Also, customers' attitudes mean image satisfaction and advertising trust have effects on the self-brand connection (establishing a close relationship by customers with the brand included in the content sent by the influential person) and customers' purchase intention, and self-brand connection has an effect on purchase intention. Finally, the mediating role of self-brand connection between attitudinal effects and purchase intention was confirmed.

Influencers must always manage their image because the characteristics of their source affect consumer satisfaction and trust. In the contents that they publish, influencers should pay attention to the attractiveness of the image, the professionalism of the show, the needs of consumers, and the salience of possible similarities with consumers. This research confirmed that consumers' satisfaction with influencers and advertising trust can increase marketing efficiency. Influencers should consider the balance between personal content related to image building and marketing content related to promoting the brand. Too much advertising leads to a decrease in consumers' understanding of the influencer's image, which may lead to consumer loss. For brand managers, this study confirmed the role of influencers in brand marketing. Followers' trust in the influencer's brand content plays an important role in brand relationships and purchase intention. Therefore, brand managers can also consider increasing investment in influencer marketing. Specifically, brands can select influencers by assessing consumers' perceptions of the influencers' attractiveness, expertise, originality, homophily, interaction, trust, and perceived credibility This study also emphasized the importance of self-brand connection by consumers during the marketing process. In collaborating with influencers, brands should choose influencers that match the brand concept and require them to use realistic display methods and scenarios to highlight products or services. The research helps consumers to make better purchases in line with the correct understanding of advertising in social networks and knowing the characteristics of advertisers and their characteristics. This research serves as a reference on influencer management for social media platforms. According to the seven main characteristics of the source of influencers, social media companies can improve the quality of influencers on their platforms and lead and limit the behavior of influencers. As a result, the tendency of social media users to the operating system increases and companies can invest in potential influencers with a perspective to achieve sustainable influencer marketing development.