to many, however, it constantly appears as an instructional problem. The final two chapters serve as excellent summary statements. Chapter 13 emphasizes the application of previous text material to the classroom situation. Of great significance is the author's discussion of commonly defined independent, dependent, and moderator variables. The final chapter focuses on evaluation in the overall sense, particularly as it relates to programs of study. The principles of measurement and research design are applied to the evaluation process through several ex-

Educational Research: Competencies for Analysis and Application:

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Multivariate Data Analysis With Readings

nosis, and, like a skilled investigator, he traces down the problem’s deep roots. But in the end, the readers are left to grapple with contemporary implications on their own. ‘‘The word credit in the retail business is a sign to a dangerous road that has led many a merchant to disaster, but a road which must be traveled’’ (p. 77). These were the 1904 words of a certain J. E. R. Chilton, the founder of the Chilton Company, which was to become a leader in the computerization of consumer reporting and eventually was purchased by Experian. At the turn of the past century, it was the merchants who had no choice but to sell on credit, despite the costs they paid—either in unpaid or protracted bills or in efforts to minimize them. Today, it is the consumers who have no choice but to swap access for being surveilled, while the data are used to calibrate their future access through ‘‘classification situations’’ (Fourcade and Healy 2013). This engaging and richly documented book will no doubt be of great interest to scholars and students of consumer credit, credit surveillance, and financial identity in the United States.

Trust and Power

Book review818 pages The Practice of Nursing Research: Conduct, Critique and Utilization, N. Burns, S.K. Grove, W B Saunders (1993), ISBN: 0 721 63 742 6

THE International Labour Organisation remains almost alone of the institutions framed to promote international co–operation, understanding and world order after the War of 1914—18. Although its staff has been drastically reduced and all but a small group of officials have been transferred to Montreal, the Organisation continues to function effectively. From its new working centre it is issuing the International Labour Review, its studies and reports, its Legislative Series and from time to time organizes a series of meetings and conferences. The recent Labour Conference in New York was the most outstanding of these meetings, and to many it was a surprising but impressive witness both of the contribution which the Organisation is rendering to the practical improvement of labour conditions throughout the world and of its importance in the tasks of reconstruction which already lie near to our hand.

The International labour organisation

Mobile banking is the latest technology offered by service providers that allows
customers to conduct banking transactions via mobile terminals. Mobile banking like
other online transactions involve great uncertainty and risk, thus, customers need to
build trust to alleviate perceived risk and facilitate their transactions. Owing to its
significant role, trust has received considerable attention in information systems (IS)
research, especially in the e-commerce context. However, little research has been done
on the success of this technology, especially when investigating customer satisfaction.
In this study, some modifications to the DeLone and McLean Model (2003) of IS
Success are proposed whereby the model may be applicable to post adoption customer
satisfaction. The target population is the users of mobile banking in Somaliland where
mobile banking is at peak prevalence. Quantitative research method is deemed to be
the suitable way of study. Partial Least Square (PLS) is the research instrument used
to examine the role of trust in mediating the effects of independent variables on
customer satisfaction. The findings suggest that quality factors and structural
assurance have significant direct effect on both trust and customer satisfaction.
Meanwhile, company reputation positively affects trust but not customer satisfaction.
Trust is also shown to fully mediate the interrelationships of information quality,
system quality and company reputation on customer satisfaction. Theoretical
contributions of the findings are discussed and suggestions for future research are
presented.

Muna Yousuf

Papers

Examining the role of trust in shaping customer satisfaction of mobile banking