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Financial well-being has recently gained prominence in the academic and public policy domains. A report by the Consumer Financial Protection Bureau (CFPB, 2015) emphasized that financial well-being must be the objective of financial literacy (Netemeyer, Warmath, Fernandes, & Lynch, 2017). The significance of financial well-being is not limited to personal financial success; it also promotes the work productivity and overall well-being of individuals; and the development of a healthy economy, overall (Diener, 2000; Netemeyer et al., 2017). Conversely, low levels of financial well-being create a vicious cycle of stress, thus, further hampering personal and societal growth

Consumers search for information about products to make a satisfactory purchase decision and gain knowledge about new features and updates. Consumers also use this knowledge to be vocal about their product experience because several consumers seek interpersonal recommendations. This phenomenon has contributed to the emergence of information search (IS) and information dissemination (ID) as a key research area in the field of consumer behaviour. However, the role of personal factors such as consumer self‐confidence and subjective knowledge has received little attention in the extant IS and ID literature. The major argument of this study is that information acquisition confidence and social outcome confidence enhance subjective knowledge and consequently increase the will of consumers to search and disseminate information in the context of smartphone buyers in India. Structural equation modelling was employed to test the proposed hypotheses using a convenience sample of 259 consumers obtained through a cross‐sectional survey. The study shows that subjective knowledge is crucial in strengthening the association between consumer self‐confidence and consumer intention for IS and ID. Additionally, enhancing consumer’s social outcome confidence contributes towards high subjective knowledge and consequently accelerates information dissemination. Results suggest that firms could focus on enhancing the social outcome confidence and subjective knowledge of consumers to motivate them to disseminate information. The results also show that consumers with high confidence in information acquisition ability have the high subjective knowledge and are more likely to search for information. Overall, this study contributes to the emerging literature regarding the role of personal factors in IS and dissemination behaviour.

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Website evaluation has been studied extensively in Information Systems and Tourism literature; but few studies combine information system issues with the Tourist decision making perspective. In this research we evaluate websites on a comprehensive set of criteria, based on five factors of website effectiveness. A Content analysis of official tourism websites of top ten tourist attracting nations was done and data was analysed using Correspondence analysis and weighted mean scores. Findings reveal that websites need to improve on certain factors, the two most important being Security and Responsiveness. In addition to this, websites should include features that support decision making at different stages of travel which would enhance website effectiveness. The study also discusses the implications for tourism organisations for developing websites that create destination image and attract tourists across the globe. The research contributes to the website evaluation approaches by developing a set of criteria using a tourist decision making perspective, rather than only technical, for evaluating website effectiveness. The research employs a novel approach of analysing cross national websites unlike other studies that have generally evaluated websites from a single country.Electronic supplementary material The online version of this article (Keywords Tourism website effectiveness Á Website evaluation Á Tourist decision making Á Correspondence analysis Assessing the website effectiveness of top ten tourist attracting nations 153

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