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The aim of this paper is to propose a conceptual framework addressing factors that predict users' assessment of the value of ads on social networking sites (SNSs). The basic unit of analysis is the SNSs' user. The action scene is composed of a set of components that together shape the outcomes of the model to identify these factors. The suggested framework consists of five belief factors (information value, entertainment value, credibility value, irritation value, and interactivity value), one motive factor (individuals' pre-purchase search motivation), in addition to two social factors (social influence, and national culture). The study aimed to characterize these key elements of the framework, their relationship, and interactions with the perceived value of advertisements. This paper intends to create a common understanding of the basic concepts and a shared conceptual model among scholars researching advertisements on online social networks.

The way online consumers assess the value of advertisements on social networking sites (SNSs) is important to know, because it has been shown that value of these advertisements can influence consumers' behavior toward advertised products and brands. In that regard, this study aimed to provide insights into how online consumers think about and assess the value of advertisements on SNSs by using a focus group method. Two focus groups were conducted with two groups from the different cultural background (Indian and Swedish). By using Krueger and Casey's (2000) five weighting factors, the participants revealed different weights for the tested factors. The Indian participants were more information-oriented, and the presented factors seemed applicable to them. In comparison, the Swedish participants were more focused on credibility, and factors like interactivity seemed not applicable to them. This is the first study that empirically examines online consumers' assessment of advertisement value on SNSs by using a focus group approach. It helps to gain a deeper insight into that research phenomenon. In the future, researchers need to carry sequential exploratory studies to confirm the effects of social influence and pre-purchase search motivation.

This paper presents a systematic review of the literature of 44 research articles published customers' satisfaction in Internet banking between (2008 and 2017). This review aims to address this gap in the literature by identifying the antecedents predicting customer satisfaction in Internet banking literature. Achieving our aims will bring together fragmented literature to serve as a foundation for research into customer satisfaction in Internet banking involving the use of Internet banking and other related digital platforms such as the mobile-banking. The results show that Asian countries recorded the highest number of publications. Also, we identified limited research from specific regions. For example, we could not identify any peer-reviewed articles from some of the European countries such as Sweden, The Netherlands, Germany, Belgium, Denmark, and Norway. Also, there are limited studies identified from the Middle East. And even countries that have well-developed e-commerce systems from the Middle East and Africa such as Egypt, the United Arab Emirates, Lebanon, Israel, and South Africa have no published papers. Secondly, the study identified SERVEQUAL & e-SERVEQUAL as the main theoretical framework. Third, the result shows that the main predictors of satisfaction in Internet banking are service quality, information quality, and product quality. Finally, this study confirmed the mediating role of customer satisfaction on customer loyalty toward those banks offering the Internet banking service. A comprehensive list of references is presented, along with an agenda for future research to cover the identified gaps.