Purpose - This paper examines Kazakh women's spending patterns and buying behavior. Research design, data, and methodology - After thoroughly reviewing the related literature on consumer behavior in general, and female consumer behavior in particular, both questionnaires and in-depth personal interviews were used to collect data from 400 Kazakh women consumers equally chosen from the age groups 20-30, 30-40, 40-50, and above 50. Results - A stratified and convenient sample was employed, and the selected five hypotheses were proved using the Karl Pearson Coefficient of Correlation. Related to spending patterns, 40 and 35 percent of the 20-30 and 30-40 age groups, respectively, of Kazakh women spend their incomes on personal items, as against 30 percent from both the 40-50 and 50 and above age groups. Twenty-five and 35 percent of the 40-50 and 50 and above age group, respectively, take decisions based on product quality, whereas this percentage is at its mite in the below 40 age group. Conclusions - The buying behavior of Kazakh women consumers is revealed; the results proffer useful background information to formulate marketing strategies.

Purpose - This study aims to examine new product adoption (NPA) in the context of clothing in Iran. Research design, data, and methodology - Data were gathered from cloth owners in Iran, focusing on famous cloth brands cloth. Further, using the proportionate stratified sampling method, a total 438 usable questionnaires were returned and analyzed through the use of structural equation modeling (SEM). In addition, LISREL software was used to analyze the data collected through the structured questionnaires. Results - Overall, the study findings indicate that education has a positive effect on new product adoption, whereas the impacts of religion and Attitude towards Consumption (ATC) on new product adoption are negative and significant, but the effect of age, peers, and income on new product adoption is not significant. Conclusions - Using date obtained from a large random sample of Iranian consumers, this study offers a deeper understanding of the attitudinal and personal antecedents of consumers' new product adoption in an emerging market. Using the findings of the articles and conclusions will be useful for market researchers and, of course, business persons.

Purpose - This thesis aims to propose a method to help financial institutions improve their customers' convenience online and offline through a Bluetooth based App using the tool of a beacon. The emergence of smartphones in the 21st century and their increasing use makes it possible to search for information easily. Research design, data, and methodology - With the short-distance Bluetooth technology for smartphones, which finds users within a radius of 50m to provide the functions of message transmission and mobile payment, users can access information services and use mobile coupons in certain premises. Thus, beacon-based O2O technology has been developed. Results - This study offers a method of attracting customers through an O2O marketing strategy that overcomes the existing limitations of Web and Offline media. Conclusions -Since beacon technology has the advantage of more accurate positioning than GPS, financial institutions provide their product information for users through the basic function of a beacon, using an O2O (Online to Offline) marketing solution and, therefore, effectively enable customers to make relevant payments online and conduct their financial actions offline.

Purpose - According to the applied studies knowledge, management implementation can improve organizational performance. The main objective of this study is to develop an understanding of critical success factors that enhance the successful implementation of knowledge management. Research design, data, and methodology - This study used Analytical Hierarchy Procedure (AHP), which is a multi-criteria decision making model that works on fuzzy logic. Using this method, researchers can find the proportion of success due to the contribution of the critical success factors (CSFs). Results - The results show that more than 70% of respondents indicate the possibility of success in knowledge management implementation. Further, the results show that top management support has the greatest relationship with the success of knowledge management implementation. This was followed by information technology, performance measurement, and culture, which had a high relation with knowledge management success. Process and activities have a moderate positive relation, while education and training has a low relation with success. Because of an inappropriate p-value, knowledge management strategies show no relation to the success of knowledge management in the Iranian health Industry. Conclusions - This study was conducted because of a critical issue in the Iranian health industry that indicated that a significant portion of the workforce would retire in 5 to 10 years. Most highly experienced and knowledge oriented employees would become eligible for retirement. Therefore, knowledge management is presented as a complete solution in the Iranian health sector.