Percorrer por autor "Tiago, Maria Teresa Borges"
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- An analysis of Internet Banking in Portugal: the antecedents of mobile banking adoptionPublication . Couto, João Pedro Almeida; Tiago, Maria Teresa Borges; Tiago, Flávio BorgesIn recent years, mobile operations have gained wide popularity among mainstream users, and banks tend to follow this trend. But are bank customers ready to move forward? Mobile banking appears to be a natural extension of Internet banking, . Thus, to predict consumer decisions to adopt mobile banking, it’s useful to understand the pattern of adoption of Internet banking (IB). This investigation seeks contribute to an expansion of the knowledge regarding this matter by researching Portuguese consumers’ patterns and behaviors concerning the acceptance and use intention of IB as a foundation for establishing growth strategies of mobile banking. For data collection, we used an online “snowball” process. The statistical treatment used included a factor analysis in order to allow examination of the interrelationships between the original variables. The analysis was made possible by developing a set of factors that expresses the common traits between them. The results revealed that the majority of respondents did not identify problems with the use of and interaction with the IB service. The study generated some interesting findings. First, the data generally supports the conceptual framework presented. However, some points need to be made: (i) trust and convenience, from all the elements referenced in the literature as relevant from the client’ perspective, continue to be a very important elements; (ii) the results did not support the paradigm that the characteristics of individuals affect their behavior as consumers, (iii) individual technological characteristics affect consumer adoption of IB service; (iv) consumer perceptions about the IB service affect their use, as reveal by the existence of three types of customers that show different practices and perceptions of IB; and (v) intention to use IB is dependent upon attitudes and subjective norms regarding the use of IB.
- Assessing the drivers of virtual knowledge management impact in European Firm’s performance : an exploratory analysisPublication . Tiago, Flávio Borges; Tiago, Maria Teresa Borges; Couto, João P.E-Business is a phenomenon that has progressed over the past decades at record speed, with considerable promise and hype. It has been embraced with varying degrees of enthusiasm and impact by both large firms and Small and Medium Enterprises (SME). Parallel with its development, E-Business has attracted research interests, seen in a plethora of new modules, programmes, models and tools. Knowledge Management (KM) is one tool that seams to gain a more relevant role, especially as managing knowledge has become increasingly important to all companies. Appropriate KM practices within organisations can be seen as one of the prerequisites to the enhancement of continuous performance improvement in the interne-based context. Thus, our aim is to develop a conceptual framework related to KM practices in a virtual context and to identify the nature of the relationship existing in those knowledge-driven elements and performance achievements. This paper aims to bridge the gap between the KM and e-business performance-related literatures from the viewpoint of European firms by establishing a model tested in European companies. For this purpose, we used a structural equation modelling analysis. The results show that KM has a positive impact on the maximization of e-business performance and that some elements individually have a positive influence on e-business performance. As limitations of the study, we consider the need for more research into this field and the inclusion of news elements such as technological readiness and management support to KM initiatives. The present study advances knowledge on the nature of the relative importance of different components of Internet-based KM as drivers of e-business performance and reinforces its importance as an integrated e-business tool.
- Assessing the Drivers of Virtual Knowledge Management Impact in European Firm's Performance: an Exploratory AnalysisPublication . Tiago, Flávio Borges; Tiago, Maria Teresa Borges; Couto, João Pedro Almeidae-Business is a phenomenon that has progressed over the past decades at record speed, with considerable promise and hype. It has been embraced with varying degrees of enthusiasm and impact by both large and SME firms. Parallel with its development, E-Business has attracted research interests, seen in a plethora of new modules, programmes, models and tools. Knowledge Management (KM) is one tool that has seemed to gain a more relevant role, especially as managing knowledge becomes increasingly important to all companies. Appropriate KM practices within organisations can be seen as one of the prerequisites of enhancement of continuous performance improvement in the interne-based context. Thus, our aim is to develop a conceptual framework related to KM practices in a virtual context and to identify the nature of the relationship existing in those knowledge-driven elements and performance achievements. This paper aims to bridge the gap between the KM and e-business performance-related literatures from the viewpoint of European firms by establishing a model tested in European companies. For this purpose, we used a structural equation modelling analysis. The results show that KM has a positive impact on the maximization of e-business performance and that some elements individually have a positive influence on e-business performance. As limitations of the study, we consider the need for more research into this field and the inclusion of news elements such as technological readiness and management support to KM initiatives. The present study advances knowledge on the nature of the relative importance of different components of Internet-based KM as drivers of e-business performance and reinforce its importance as an integrated e-business tool.
- Contributions of Marine Cluster for Regional Sustainability: Economic Prospective for AzoresPublication . Paramio, Luz; Tiago, Maria Teresa Borges; Tiago, Flávio Borges; Vieira, José CabralO presente artigo identifica e salienta um conjunto de benefícios e oportunidades derivados da aplicação da metodologia de clustering a vetores económicos endógenos, em particular, os do ambiente marinho. Num contexto de desenvolvimento regional, os clusters têm-se demonstrado importantes ferramentas para a governação e a implementação política. O atual contexto económico força as regiões a desenvolverem um novo paradigma de sustentabilidade. Assim, para o caso das pequenas regiões como os Açores, o modelo de desenvolvimento deve dar atenção às oportunidades decorrentes da governação dos seus recursos internos. Tendo por base uma abordagem de gestão estratégica, este trabalho efetua uma análise prospetiva que identifica o quadro, os fatores e os requisitos necessários para a definição de um Cluster do Mar para os Açores. O âmbito do cluster deve abranger não somente as principais atividades existentes no Mar dos Açores, bem como outros setores com potencial para a região e que se entrecruzam pelo uso e valor do Mar. A estrutura proposta visa contribuir para o desenvolvimento do Mar dos Açores, enquanto força económica endógena. Por outro lado, a presente investigação avalia as contribuições do cluster do mar para o sistema económico regional e nacional, bem como a sua ligação a outros vetores económicos. A proposta do Cluster do Mar dos Açores surge como um smart mechanism que permite o acompanhamento das dinâmicas derivadas da agenda europeia e internacional sobre os assuntos do mar, particularmente o crescimento económico e economia azul.
- Determinants of Loyalty Intention in Portuguese Mobile MarketPublication . Tiago, Maria Teresa Borges; Amaral, Francisco EmanuelOur work conceptualizes and highlights the determinants of customers’ loyalty in the Portuguese mobile market. We raise questions about the interrelationships of the cost and values dimensions and the consequences of these relationships on customer satisfaction and trust and consequently loyalty among different operators, addressing some recent models. By organizing and synthesizing the major research streams and tests empirically a conceptual framework through a SEM, with data gather in a survey of Portuguese clients, the present study advances knowledge on the nature of the relative importance of different components of loyalty to mobile communications operators. Some useful preliminary insights were produced related to customers’ retention process in primary mobile operator, which appears strongly related to price/quality, followed by the emotional connection to the operator staff and others clients. Nonetheless, a considerable number of issues were left for future research, including the possibility of extending the investigation to other countries.
- O envolvimento do aluno na escola e sua relação com a retenção e transição académica : um estudo em escolas de São MiguelPublication . Caldeira, Suzana Nunes; Fernandes, Hélder Rego; Tiago, Maria Teresa BorgesA taxa de retenção e abandono escolar no Açores tem vindo a aumentar desde 2008, situação que afasta a Região das metas estabelecidas na estratégia 2020 para a Europa. Contrariar esta tendência pode passar pela promoção do envolvimento do aluno na escola, pois várias investigações têm observado que esta variável desempenha um papel crucial no crescimento e desenvolvimento dos estudantes, contribuindo positivamente para a sua progressão escolar e para o sucesso académico (Mahatmya, Lohman, Matjasko & Farb, 2012). Neste enquadramento, o presente trabalho teve como propósito central descrever e analisar a relação entre o envolvimento do aluno e a transição/ retenção escolar, em escolas dos Açores. A amostra foi constituída por 560 estudantes, de ambos os sexos, a frequentar os 2.º e 3.º ciclos do ensino básico e do ensino secundário dos Açores. Os dados foram recolhidos através do “Questionário acerca do Envolvimento dos Estudantes na Escola” que informa sobre o envolvimento dos alunos na escola, nas dimensões afetiva, comportamental e cognitiva, e, também, sobre o (in)sucesso, através das retenções escolares e das classificações dos alunos a matemática e português. Os dados foram submetidos à estimação de um modelo de equações estruturais (SEM). Para além dos justificativos estatísticos para a utilização do modelo de equações estruturais neste trabalho, considerou-se também a vantagem do SEM em permitir analisar variáveis latentes que consubstancializassem os conceitos encontrados na revisão da literatura e desenvolvidos na componente metodológica. Atendendo à revisão de literatura, prevê-se uma associação positiva entre envolvimento do aluno e transição escolar, sendo essa associação mais poderosa nos anos mais elementares da escolaridade do grupo estudado.
- Evaluating the determinants of national innovative capacity among european countriesPublication . Natário, Maria Manuela; Couto, João Pedro Almeida; Tiago, Maria Teresa Borges; Braga, Ascenção M. M.This paper reflects upon the factors that influence the national innovative capacity that is based on the European Innovation Scoreboard database. The aim is to reflect on, and evaluate, the factors influencing national innovative capacity. A cluster analysis was conducted to verify how different countries are positioned in terms of innovation outputs and determine which factors distinguish their level of innovative capacity. The results point to the existence of four groups of countries. On the other hand, the factors identified are related to the dimensions of institutional efficiency, namely the efficiency of institutions, types of regulation, effective rule of law and level of corruption, societies’ cultural values associated with the level of hierarchy or "power distance" and "uncertainty avoidance." Aspects are related to the innovation framework, such as doctorates in science and engineering, business Research & Development expenses, and the level of collaboration for innovation.
- The influence of teenagers on Family's Vacation ChoicePublication . Tiago, Maria Teresa Borges; Tiago, Flávio BorgesA interação e influência das crianças e dos adultos nos processos de decisão de compra familiares têm sido alvo de inúmeros trabalhos académicos. As evidências empíricas apontam para uma decisão partilhada, quer na fase de reconhecimento do problema, quer nas últimas etapas do processo de decisão. Neste artigo a tónica é colocada na influência e nas táticas negociais empregues pelos adolescentes nesse processo familiar, que não tem sido alvo de grande atenção, apesar da reconhecida importância deste segmento, tanto pelos investigadores como pelas empresas. Assim, procura-se com este trabalho aferir as perceções e as táticas empregues pelos adolescentes e pelos seus progenitores com relação a dois tipos de produtos: viagens de lazer e cereais para pequenos-almoços. A escolha de dois tipos de produtos com tipologias e complexidade diferente permite retirar ilações quanto aos padrões empregues e à influência das caraterísticas demográficas no comportamento familiar de decisão de compra.
- Innovativeness Patterns in Different European Regions: An Empirical ApproachPublication . Natário, Maria Manuela; Couto, João Pedro Almeida; Braga, Ascenção M. M.; Tiago, Maria Teresa BorgesBoth academic literature and regional governments are interested in the innovativeness of regions and the drivers of competitiveness, especially when considering the impacts on economic development and social progress. Innovation is the basis for global competitiveness. Innovative capacity enables regions to increase productivity and attract investments, thereby sustaining continuous progress in quality and standard of living. A literature review regarding regional innovativeness produces some insights into the effect of contextual elements on the performance of regions and reveals new perspectives on this issue. This study aimed to measure the innovativeness of different European regions and evaluate the nature of the process of innovation, and relationship between its innovativeness and region of origin. This study proceeded from the assumption that the competitiveness of a region is reflected in its capacity or dynamics of innovation. Therefore, we compared European regions verifying the existence of subjacent clusters and determining the characteristics that distinguish the different groups of regions. Innovative capacity was considered in terms of innovative output and several factors were analysed to identify and differentiate the dynamics of innovations of the regions. The results point to the existence of five groups of regions, and the factors identified are related to innovative processes, namely forms of innovation, factors and objectives of innovation, and aspects related to the framework of innovation such as tertiary education and life-long learning, business and public R&D expenses, and level of collaboration for innovation.
- Internet sales as a new mode of internationalizationPublication . Couto, João P.; Tiago, Maria Teresa Borges; Tiago, Flávio Borges; Vieira, José CabralThe way that organizations explore the Internet has been the focus of a substantial body of scientific studies and non-academic reflection. The main goal of this study is to analyze the potential of the internet as a mode of internationalization and the factors that influence the results of the adoption of this mean to access foreign markets. For this purpose, we examine the determinants of the level of international sales made via internet estimating an ordered probit model. The results show that the importance of previous experience in using the internet and developing international activity, together with the level of internet marketing budget , the level of investment on internet sophistication, the firm dimension, the business age and the type pf activity are variables that determine the results obtain in the international sales trough the internet.