Hosmer, D. W., and Lemeshow, S. (1989). Applied logistic regression. New York, NY: John
Wiley and Sons.
Janis, I. L., and Mann, L. (1977). Decision making: A psychological analysis of conflict,
choice, and commitment. New York, NY: Free Press.
Jennings, D. (1986). Judging inference adequacy in logistic regression. Journal of the
American Statistical Association, 81, 471-476.
Kimball, R. C., Frisch, R., and Gregor, W. T. (1997). Alternative visions of consumer
financial services. Journal of Retail Banking Services, 21(1), 1-10.
Klinger, E. (1971). Structure and functions of fantasy. New York, NY: Wiley-Interscience.
LaBarbera, P., and Mazursky, D. (1983). A longitudinal assessment of consumer satisfaction/
dissatisfaction: The dynamic aspect of the cognitive process. Journal of Marketing Research,
20(4), 393-404.
Langeard, E., Bateson, J. E., Lovelock, C. H., and Eiglier, P. (1981). Services marketing:
New insights from consumers and managers. Marketing Science Institute Report, No. 81-104.
Cambridge, MA: Marketing Science Institute.
Lee, J., and Allaway, A. (2002). Effects of personal control on adoption of self-
service technology innovations. Journal of Services Marketing, 16(6), 553-572.
McGregor, R. C. (1974). Art and the aesthetic. Journal of Aesthetics and Art Criticism, 32(4),
549-559.
Mehrabian, A., and Russel, J. A. (1974). An approach to environmental psychology.
Cambridge, MA: M.I.T. Press.
Meuter, M. L., Ostrom, A. L., Bitner, M. J., and Roundtree, R. (2003). The influence of
technology anxiety on consumer use and experiences with self-service technologies. Journal
of Business Research, 56(11), 899-906.
36