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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 …
Modeling Adoption Dynamics In Social Networks, Minh Duc Luu
Modeling Adoption Dynamics In Social Networks, Minh Duc Luu
Dissertations and Theses Collection
This dissertation studies the modeling of user-item adoption dynamics where an item can be an innovation, a piece of contagious information or a product. By “adoption dynamics” we refer to the process of users making decision choices to adopt items based on a variety of user and item factors. In the context of social networks, “adoption dynamics” is closely related to “item diffusion”. When a user in a social network adopts an item, she may influence her network neighbors to adopt the item. Those neighbors of her who adopt the item then continue to trigger more adoptions. As this progress …