Permanent income hypothesis and variability of consumption. Finnish Economic Papers , vol. 9, no. 2. 1996.

R2.

Tuning of Linguistic Equation Investment Models with Genetic Algorithms. (Together with Juuso Lotvonen and Rauli Svento ). 6th European Congress on Intelligent Techniques and Soft Computing Proceedings, Vol. 3. 1998.

R3.

Customer Delivered Value in a Web-based Supermarket. (Together with Helena Ahola and Harri Oinas-Kukkonen ). Proceedings of the Thirty-third Hawaii International Conference on System Sciences (HICSS'00). 2000.

R4.

Customer Satisfaction and Purchasing Behavior in A Web-Based Shopping Environment. Electronic Markets , Vol.11, no. 3. 2001.

R5.

Consumer Attitudes and Mobile Travel Portal. Electronic Markets, Vol. 12. no . 1. 2002.

R6.

Consumer Choice Behavior in Electronic Shopping Systems - a Theoretical Note. ( Together with Rauli Svento , Harri Oinas-Kukkonen and Jukka Perttunen). Netnomics , Vol 4. no 2. 2002.

R7.

Individual differences in private banking: empirical evidence from Finland. ( together with Heikki Karjaluoto and Jari Salo ). HICSS-36 (Hawaii International Conference on System Sciences) Conference Proceedings p. 196. Big Island, Hawaii, USA, January 6-9, 2003.

R8.

SmartRotuaari - Context-aware mobile multimedia services . ( Together with Ojala T, Korhonen J, Aittola M, Ollila M, Tähtinen J & Karjaluoto H). Proc. 2nd International Conference on Mobile and Ubiquitous Multimedia, Norrköping , Sweden, 9-18. 2003.

R9.

Tracking Consumer Intentions To Use Mobile Services: Empirical Evidence From A Field Trial In Finland ( Together with Kesti M, Ristola A, Karjaluoto H). Presented at the 4th Annual Conference of the International Academy of
E-Business, Atlantic City, USA, 28-31 March. Published in the E-Business Review IV, pp.76-80. 2004. “Outstanding Research Paper´ Award by the International Academy of E-Business )

R10.

Factors Affecting Consumer Choice of Mobile Phones: Two Studies from Finland. ( Together with Heikki Karjaluoto, Jari Karvonen, Manne Kesti, Marjukka Manninen, Jukka Pakola, Annu Ristola and Jari Salo). Journal of Euromarketing vol.14, no. 3. 2005.

R11.

Sports Event Spectators' Perceptions of Mobile Marketing. Empirical Evidence from Finland. (Together with Heikki Karjaluoto , Manne Kesti , Annu Ristola and Jari Salo ). SMA II the 2004 conference of the Sport Marketing Association (SMA), to appear in Sport Marketing Association's second book of edited papers.

R 12.

Analysing Consumer Experienxces in a Real m-Commerce Environment (Together with Annu Ristola and Manne Kesti ) The 5th Annual Hawaii International

Conference on Business, Honolulu, Hawaii, USA, 2005.

R 13.

The effect on familiar mobile device and usage time on creating perceptions

towards mobile services (Together with Annu Ristola and Manne Kesti ). The IEEE Fourth International Conference on Mobile Business, Sydney, Australia, 2005.

R 14.

A review of research illustrating the impacts of digitization on the buyer-seller relationships. ( together with Salo , J. and Alajoutsijärvi , K.). Proceedings of the 21st Industrial Marketing and Purchasing (IMP) Conference, Rotterdam, Netherlands, September 1-3, 2005 .

R 15.

Predicting Consumer Acceptance in Mobile Services – Empirical Evidence from an Experimental End User Environment (Together with Annu Ristola and Manne Kesti ) . International Journal of Mobile Communications, vol. 4, no. 4, 2006.

R 16.

Development of Strategic Business Network for Local Travel Industry (Together with Rauli Svento ). International Journal of Services Technology and Management, Accepted for publication, 2006.

R 17.

The effects of information quality of mobile information services on user satisfaction and service acceptance - empirical evidence from Finland. ( Together with Annu Ristola and Manne Kesti ) . Accepted for publication in the Journal of Behaviour and Information Technology, 2006.

R 18.

The perceptions towards mobile services – an empirical analysis of the role of use facilitators. ( Together with Annu Ristola and Manne Kesti ) . Accepted for publication in Personal and Ubiquitous Computing. 2006.

D1.

Kulutus ja hyvinvointi FMS mallisysteemissä. (Together with Ilmo Mäenpää ). Department of Economics, University of Oulu discussion papers in economics and business studies, 22. 1995.

D2.

The Effects of EMU Criteria on Employment in EU Countries. (Together with Rauli Svento and Tapani Kovalainen ). Department of Economics, University of Oulu working papers, no. 5. 1997.

D3.

Uncertainty ,Irreversibility and Durables Purchases; Some Empirical implications. Department of Economics, University of Oulu working papers, no. 8. 1997.

D4.

Demand for Ice Hockey, Case: Kärpät , Oulu . (Together with Tapani Kovalainen ). Department of Economics, University of Oulu working papers, no. 9. 1997.

D5.

Explaining Shares of Imports in the Home Markets of the Finnish Economy 1970-1995. (Together with Osmo Forssell ). Paper presented for the 12th International Conference on Input-Output Techniques, 18-22 May, New York, USA. 1998.

D6.

A Fuzzy Set Based Analysis of Consumer Behavior. Unpublished working paper. 1998.

D7.

Flow-käsitteen määrittely ja mittaaminen. Unpublished working paper. 1999.

D8.

Strategic Internet Marketing. Unpublished working paper. 1999.

D9.

Mobiiliportaali ja kuluttajien odotukset . Faculty of Economics and Industrial Management. University of Oulu working papers, no. 16. 2001.

D10.

Web Shop Design and Customer Loyalty. (Together with Rauli Svento and Harri Oinas-Kukkonen ). Unpublished research paper, 2002.

D11.

Technology licensing strategies . The case of a Finnish high-tech firm. ( together with Mari Mähönen and Heikki Karjaluoto ). Proceedings of the Western Business & Management Conference, Las Vegas, USA, October 10-12, 2004.

M1.

Kotitalouksien säästämiskäyttäytyminen ja varallisuusvaikutus. ( Together with Ismo Jurvelin ). Master's thesis. Department of Economics, University of Oulu . P. 119 p. 1992.

M2.

Matemaattinen Taloustiede . Lecture notes for mathematical economics. 98 p. 1997.

M3.

Uncertainty and the dynamics of demand. Acta Universitatis Ouluensis , Oeconomica G 5. Doctoral dissertation.126 p. 1999.

M4.

Digital Economy. (Together with Wesley J. Johnston, Henrikki Tikkanen and Kimmo Alajoutsijärvi ).) eLearning Course for TietoEnator Plc. 40 p. 2000.

M7.

Informaatioverkostojen taloustiede . Lecture notes for Economics of Information Networks, 48 p. 2003.