Digital Commons Network^™

Digital Banking: Overcoming Barriers To Entry, Alan Megargel

Dissertations and Theses Collection

This dissertation examines digital banking from the perspective of two types of industry participants; non-bank FinTech alternative [substitute] financial service providers whom are intent on disrupting the market, and [incumbent] traditional banks whom are urgently pursing digital strategies in order to counteract the FinTech threat. This study is motivated by five main research questions: (1) Are FinTech firms disrupting traditional banks, and if so, what are the modes of disruption? (2) Do tradition banks view FinTech firms as a threat, and if so, what are they doing about it? (3) What are the various digital banking strategies, and how are …

Purposeful Building Of Social Capital And The Adoption Of Essential Tools And Technologies In Impoverished Communities In The Philippines, Chon Phung Lim

Dissertations and Theses Collection

Despite its popularity and a wide range of applications, social capital is a contested concept. There is also no agreement on whether social capital responds well to external interventions. Many scholars found no or, at most, mixed impacts that social capital can be purposefully developed. However, Burt and Ranchi (2007) and Janicik and Larrick (2005) provided compelling evidence that simple network training can significantly improve participants’ ability to see gaps in their network and develop social capital.

The manifestations of social capital are context-dependent and complex, and rarely map into a single discipline or methodology (Jones and Woolcock, 2007). Hence, …

Multinationals In Emerging Markets: A Test Case Of The Banking Industry In India, Havovi Joshi

Dissertations and Theses Collection

Multinational firms play a significant role in the world economy, accounting for over 30% of the world stock market value. In the past decade or two, these firms have demonstrated a renewed wave of interest in the Emerging Asian markets. This is not surprising, given the attractive demographics, growing middle class and leapfrogging technology of these markets. But the optimism of these western firms heading eastward often gets quickly subdued by the realisation that these emerging Asian markets are far more complex—or at the very least, different—than western ones. They are more volatile, there is frequently a lack of institutional …

Uncovering User-Triggered Privacy Leaks In Mobile Applications And Their Utility In Privacy Protection, Joo Keng Joseph Chan

Dissertations and Theses Collection

Mobile applications are increasingly popular, and help mobile users in many aspects of their lifestyle. Applications have access to a wealth of information about the user through powerful developer APIs. It is known that most applications, even popular and highly regarded ones, utilize and leak privacy data to the network. It is also common for applications to over-access privacy data that does not fit the functionality profile of the application. Although there are available privacy detection tools, they might not provide sufficient context to help users better understand the privacy behaviours of their applications. In this dissertation, I present the …

How And When Do Attributions Affect Relationship Satisfaction? Judgments Of Partner Suitability And Implicit Theories Of Relationships, Justus Rui Hao Wee

Dissertations and Theses Collection

Drawing on the traditional internal-external dichotomy embraced by attribution research in other non-relational domains, research on attributions in romantic relationships has largely focused on distinguishing between the impact of making partner (internal) and external attributions. Given that past research on relationship cognitions showed that people think in relationship specific ways (e.g., relational schemas; Baldwin, 1992), I propose the need for the inclusion for attributions that capture relationship-specific causes. With that in mind, the present research explored the incremental value of interpersonal attributions, which refer to the perception that a partner’s behaviors are caused by their love and care (or lack …

Towards An Effective Design Of The Business Intelligence & Analytics Function Within An Organisation, Eric Sandosham

Dissertations and Theses Collection

This dissertation is about the organisational considerations in setting up a successful business intelligence and analytics (BI&A) function. It addresses a gap in academic literature by presenting a theoretical framework on organisational attributes that impacts the BI&A function’s ability to improve the completeness and relevance of their data-driven solutions.

BI&A is a subset of information processing, and as such, subject to the phenomenon of uncertainty and equivocality. Most BI&A functions do not explicitly address this phenomenon in their organisation design, leading to suboptimal BI&A outcomes as widely publicised in both academic and practice literature.

This dissertation contributes to theory by …

Evaluating The Empirical Performance Of Dsge Models: What Is The Role Of Search And Matching Frictions In The Labor And Capital Markets?, Weng Sam Mok

Dissertations and Theses Collection

A major perspective in explaining involuntary unemployment is to recognize the existence of job market frictions, in particular, job market matching frictions. The workhorse model employed is the Diamond- Mortensen-Pissarides (DMP) model. Similar to the labor market, the market for physical capital markets exhibits the same characteristics with a pool of unsold inventory as well as used capital that is sold and reallocated to other terms. Nevertheless, past research has highlighted several issues of the DMP model in matching the characteristics of the labor market. In a model enriched with labor participation flows and job separation, I evaluate the model …

Essays On Transportation Cost, Social Security Retirement Income And Housing Market, Naqun Huang

Dissertations and Theses Collection

This dissertation comprises three papers that study how transportation cost affect price distribution across a city, how home equity affects the timing of pension withdrawal, and potential implications of macroprudential policies on the price informativeness. Specifically, the first paper examines how a change in the cost of car ownership affects housing price gradient with respect to distance from the central business district (CBD) in Singapore. The second paper investigates how household home equity affect the timing of claiming Social Security Retirement Income (SSRI) in the United States. The third paper explores how countercyclical policies in Singapore real estate market affect …

On Random Assignment Problems, Peng Liu

Dissertations and Theses Collection

This dissertation studies the standard random assignment problem (Bogomolnaia and Moulin (2001)) and investigates the scope of designing a desirable random assignment rule. Specifically, I ask the following two questions:

1. Is there a reasonably restricted domain of preferences on which there exists an strategy-sd-efficient proof, sd-efficient and sd-envy-free or equal-treatment-of-equals rule?

2. Moreover, if the answer is in the affirmative, what is that rule?

As a starting point, attention is restricted to the connected domains (Monjardet (2009)). It is shown that if a connected domain admits a desirable random assignment rule, it is structured in a specific way: a …

How Technology Is Reshaping Financial Services: Essays On Consumer Behavior In Card, Channel And Cryptocurrency Services, Dan Geng

Dissertations and Theses Collection

The financial services sector has seen dramatic technological innovations in the last several years associated with the “fintech revolution.” Major changes have taken place in channel management, credit card rewards marketing, cryptocurren-cy, and wealth management, and have influenced consumers’ banking behavior in different ways. As a consequence, there has been a growing demand for banks to rethink their business models and operations to adapt to changing consumer be-havior and counter the competitive pressure from other banks and non-bank play-ers. In this dissertation, I study consumer behavior related to different aspects of financial innovation by addressing research questions that are motivated …

When Pursuing Multiple Goals, People Prioritize The Minimally Acceptable Level Over The Aspiration Level, Huey Woon Lee

Dissertations and Theses Collection

When pursuing multiple goals over time, the amount of time (i.e., resources) available affects which goal is pursued: people prioritize (i.e., spend time on) the goal furthest from the aspiration level when there is plenty of time available to attain the aspiration level on the multiple goals but switch to prioritize the goal closest to the aspiration level when the time available starts to run out (e.g., Schmidt, Dolis, & Tolli, 2009). Although the aspiration level is the most commonly examined goal level, other goal levels possessing different psychological meanings (e.g., minimally acceptable or status quo goal levels) also exist. …

The Relationship Between Anxiety, Mind Wandering And Task-Switching: A Diffusion Model Analysis, Andree Hartanto

Dissertations and Theses Collection

Although the negative impact of anxiety on task-switching has been documented, little is known about the extent or mechanisms of this impairment primarily because of the complex nature of task-switching and difficulty in probing the occurrence of worries within participants. To address this issue, we employed a stochastic diffusion model analysis along with a novel thought-probe technique in task-switching paradigm. Across 152 participants, we found state anxiety was linked to higher switch costs in nondecision time but not drift rate parameter of diffusion model, which indicates that the locus of task-switching impairment in anxious individuals is pertinent to the efficiency …

Testing And Debugging: A Reality Check, Pavneet Singh Kochhar

Dissertations and Theses Collection

Testing and debugging are important activities during software development and maintenance. Testing is performed to check if the code contains errors whereas debugging is done to locate and fix these errors. Testing can be manual or automated and can be of different types such as unit, integration, system, stress etc. Debugging can also be manual or automated. These two activities have drawn attention of researchers in the recent years. Past studies have proposed many testing techniques such as automated test generation, test minimization, test case selection etc. Studies related to debugging have proposed new techniques to find bugs using various …

Mining Diverse Consumer Preferences For Bundling And Recommendation, Ha Loc Do

Dissertations and Theses Collection

That consumers share similar tastes on some products does not guarantee their agreement on other products. Therefore, both similarity and dierence should be taken into account for a more rounded view on consumer preferences. This manuscript focuses on mining this diversity of consumer preferences from two perspectives, namely 1) between consumers and 2) between products. Diversity of preferences between consumers is studied in the context of recommendation systems. In some preference models, measuring similarities in preferences between two consumers plays the key role. These approaches assume two consumers would share certain degree of similarity on any products, ignoring the fact …

Hybrid Based Approaches For Software Fault Localization And Specification Mining, Bui Tien Duy Le

Dissertations and Theses Collection

Debugging programs and writing formal specifications are essential but expensive processes to maintain quality and reliability of software systems. Developers often have to debug and create specifications manually, which take a lot of their time and effort. Recently, several automated solutions have been proposed to help developers alleviate the cost of manual labor in the two processes. In particular, fault localization techniques help developer debug by accepting textual information in bug reports or program spectra (i.e., a record of which program elements are executed for each test case). Their output is a ranked list of program elements that are likely …

Real-Time Bursty Topic Detection And Virality Forecasting In Microblogs, Wei Xie

Dissertations and Theses Collection

Microblogs such as Twitter have become the largest social platforms for users around the world to share anything happening around them with friends and beyond. A bursty topic in microblogs is one that triggers a surge of relevant tweets within a short period of time, which often reflects important events of mass interest. How to leverage microblogs for early detection and further impact analysis of bursty topics has, therefore, become an important research problem with immense practical value.

Social Network Impact On Corporate Performance And Governance, Jonathan Chew Hoe Khoo

Dissertations and Theses Collection

Motivated by the centrality measures constructed in Larcker, So and Wang (2013), I affirm that board connectedness positively affect firm performance in Singapore, and even if we were to measure firm performance by Tobin's Q. The impact on firm performance persists over at least four years. Controlling for Corporate Governance using a proprietary database, the Singapore Corporate Governance Index, only the Eigenvector centrality under simple-weighted and hyperbolic-weighted projections survives the robustness test, suggesting that firstly, the local proxy of Corporate Governance based on OECD principles possibly controls for what is proxied by the Betweenness, Closeness and Degree centrality measures, and …

A Proposal And Examination Of A Novel Life History And Sociometer Model Of Self-Esteem, Jin Chuan Yong

Dissertations and Theses Collection

Self-esteem occupies an esteemed position in psychological research, but the self-esteem scholarship has often raised more questions than it has answered. Recent alternative approaches to self-esteem have made decent strides in resolving the mixed findings abound in the literature, such as a call for greater focus on self-esteem’s functionality and domain-specific components of self-esteem. However, the lack of a well-grounded, parsimonious theory of self-esteem has kept these proximate theories and findings disparate and our overall understanding of self-esteem incomplete. The current dissertation sought to address these issues by developing a model of self-esteem based on the evolutionarily driven sociometer and …

Essays On Corporate Finance, Sili Zhou

Dissertations and Theses Collection

Economic, Policy uncertainty under political opaqueness imposes great impact in the capital market. I construct ex ante cross-section of firm sensitivity to China Economic Policy Uncertainty (CEPU) index from Baker, Bloom and Davis (2013). This measure of policy sensitivity is significantly negatively predictive of a firm’s market value and Tobin’s Q. Cross sectional tests show that the negative effects are stronger in SOEs= for firms with higher agency problems, and for firms operating in market with lower degree of competition or market disciplining. The evidence suggests that high level of policy influence causes significant value destruction in the capital market.

Emotional Labor And Discretionary Behaviors: Exploring The Mediating And Moderating Effects Of Felt Inauthenticity And Emotional Exhaustion, Yang Ting Ang

Dissertations and Theses Collection

The service industry is a growing sector in most countries and emotional labor is a major component of service employees’ jobs. As such, it is important to understand how emotional labor influences employee discretionary behaviors such as counter-productive workplace behaviors (CWBs) and organizational citizenship behaviors (OCBs), both of which affect the well-being of employees and organizations. This dissertation presents two studies that examined the mechanisms underlying, and boundary conditions surrounding, emotional labor and employee discretionary behaviors. Drawing on theories and research regarding ego depletion, inauthenticity, and behavior consistency, this paper proposed a theoretical model that hypothesized how two potential mechanisms …

Recommending Personalized Schedules In Urban Environments, Cen Chen

Dissertations and Theses Collection

In this thesis, we are broadly interested in solving real world problems that involve decision support for coordinating agent movements in dynamic urban environments, where people are agents exhibiting different human behavior patterns and preferences. The rapid development of mobile technologies makes it easier to capture agent behavioral and preference information. Such rich agent specific information, coupled with the explosive growth of computational power, opens many opportunities that we could potentially leverage, to better guide/influence the agents in urban environments. The purpose of this thesis is to investigate how we can effectively and efficiently guide and coordinate the agents with …

Essays In Corporate Cash Holdings, Chenxi Liu

Dissertations and Theses Collection

This dissertation addresses three topics in corporate cash holdings. The first paper provides a new determinant of cash holdings by examining the impact of earnings transparency on corporate cash holdings. Motivated by Barth et al. (2013), who show that firms with less earnings transparency tend to have higher cost of equity, this paper shows that the cross-section differences in earnings transparency cause variations in firm cash holdings because firms with less earnings transparency have more incentives to hold cash in order to avoid costly external financing. Using data of US firms from 1980 to 2013, it is found that earnings …

Team-Efficacy Dispersion Pattern And Team Creativity, Michal Franc

Dissertations and Theses Collection

Present study compared the effect of two team efficacy (i.e., team members’ belief that the team can successfully perform a specific task) dispersion patterns in their effect on team creativity. Two dispersion patterns were manipulated such that the first one consisted of team members sharing an average level of team efficacy belief (i.e., shared team efficacy pattern), while the second dispersion pattern consisted of a majority of team members sharing a below average level of team efficacy belief and one minority member with relatively higher team efficacy belief (i.e., minority member team efficacy pattern) (DeRue, Hollenbeck, Ilgen, & Feltz, 2010). …

The Differential Identity Activation & Integration Mechanism (Diaim): A Model Linking Female Businesspersons’ Identity Integration And Identity Activation To Negotiation, Yi Wen Tan

Dissertations and Theses Collection

Women play an important role in business management (female businesspersons) but yet they face constraints in the workplace, such as in negotiations. As female businesspersons seem to be facing seemingly conflicting gender and business identities, the level of the integration between these identities, as captured by the construct gender-professional identity integration (G-PII), can be a critical factor that influences female businesspersons in negotiations. It is expected that the level of G-PII influences female businesspersons’ negotiation behaviors when their different identities (i.e., female identity, business identity or dual identities) are activated. Hence, a DIAIM model that depicts how female businesspersons with …

A Time For Creativity: How Future-Oriented Schemas Facilitate Creativity, Brandon Yuan Rui Koh

Dissertations and Theses Collection

According to the creative cognition approach, the infrequent generation of truly creative ideas could be due to the pervasive reliance on schemas during creative ideation. People tasked to generate creative ideas tend to anchor on accessible schemas, thus many of these ideas predictably conform to pre-existing exemplars or concepts. It is reasonable to argue that suppressing the reliance on conventional schemas coupled with activating unconventional schemas could broaden the sources of inspiration and facilitate creativity. Grounded in social schema research, I hypothesize that people tend to project high societal change in the future, and that future construal will activate these …

Fusing Mobile, Wearable And Infrastructure Sensing For Immersive Daily Lifestyle Analytics, Sougata Sen

Dissertations and Theses Collection

With the prevalence of sensors in public infrastructure as well as in personal devices, exploitation of data from these sensors to monitor and profile basic activities (e.g., locomotive states such as walking, and gestural actions such as smoking) has gained popularity. Basic activities identified by these sensors will drive the next generation of lifestyle monitoring applications and services. To provide more advanced and personalized services, these next-generation systems will need to capture and understand increasingly finer-grained details of various common daily life activities. In this dissertation, I demonstrate the possibility of building systems using offthe- shelf devices, that not only …

Essays On Investor Sentiment In Asset Pricing, Liya Chu

Dissertations and Theses Collection

The dissertation addresses three topics on investor sentiment in asset pricing.

The first essay investigates the impact of market sentiment on the recent debate on equity premium forecasting. Particularly, market sentiment may break the link between fundamental economic predictors and equity premium. We find that economic predictors tend to lose their power and various remedies proposed in recent studies, such as non-negativity constraints, no longer work during high sentiment periods. In contrast, economic predictors actually do have strong performances even without using any such remedies, as long as the sentiment stays low enough so as not to distort the link. …

Aspect Discovery From Product Reviews, Ying Ding

Dissertations and Theses Collection

With the rapid development of online shopping sites and social media, product reviews are accumulating. These reviews contain information that is valuable to both businesses and customers. To businesses, companies can easily get a large number of feedback of their products, which is difficult to achieve by doing customer survey in the traditional way. To customers, they can know the products they are interested in better by reading reviews, which may be uneasy without online reviews. However, the accumulation has caused consuming all reviews impossible. It is necessary to develop automated techniques to efficiently process them. One of the most …

A Study Of Innovating And Non-Innovating Firms’ Perception Of Environmental Dynamism And Innovation In A Mature Regulated Industry, Patrick Siong Kuan Tan

Dissertations and Theses Collection

Can large firms be innovative in an industry that is mature and regulated?”

Business managers in mature regulated industries, like new and unregulated industries, operate under very challenging conditions, albeit a bit different, and need to create competitive advantages. One potential route to do this is through innovations.

The strategic direction and choices which the firm takes and whether to innovate or not innovate are largely influenced by its environment. And, in mature regulated industries, large incumbents face a triple challenge. Its size, the maturity of the industry and regulations governing the industry are three conditions that are generally deemed …

Building Trust Through The Dynamics Of Emotions And Moods: A Conceptual Framework And Empirical Investigations On The Role Of Affect In Interpersonal Trust Development, Changhong Serena Lu

Dissertations and Theses Collection

In this dissertation, I strived to understand the role of individuals’ affect in the development processes of interpersonal trust within organizations. To achieve the goal, I conducted two studies, one conceptual framework and one empirical investigation. Trust scholars have long recognized the affective component of trust experience. However, previous theoretical arguments and empirical findings are not well integrated to provide a cohesive understanding on various dynamic roles that emotions and moods can play in the trust development. Recognizing that the trustor and trustee may face diverse relational problems at various stages of their trust relationship, I first suggested a Phase …