Finance and Financial Management Commons^™

An Analysis Of Bank Willingness To Decrease Deposit Fees, Madison E. Settlage

Finance Undergraduate Honors Theses

Bank deposit fees have been at the forefront of bank criticism for years, as many view them as being too severe and having a disproportionate effect on low-income customers. In recent years, there has been a strong push for declines in these rates. In this paper, I analyze banks willingness to decrease deposit fees using data from bank call reports over the 2017 to 2023 time period. Through statistical analysis, I find that various factors such as 2017 deposit fee level, ROA, total assets, average personal deposits, population, median income, and poverty rates are significant in determining bank fee levels …

How The Finance Industry Is Shaped By Technology – A Corporate Experience, Max Pabin

Finance Undergraduate Honors Theses

For this paper, I want to analyze how new technology affects the financial industry for individual clients. My internship at Fidelity Investments provided me with a back-end view of the technology used for clients, while my Chase experience has provided me with an in-depth view of how clients use technology daily. I believe that the financial services industry is being taken over by new technology. This has created a new experience for customers that has made it easier for them to bank, apply for credit, and invest their money. I find this subject to be very interesting as someone who …

Insomnovation – Natural Sleep Solutions Business Plan, Nikolas Limperis

Finance Undergraduate Honors Theses

Currently, 70 million Americans suffer from some sort of sleep issues from trouble falling asleep, trouble staying asleep, and daytime drowsiness. However, the sleep solutions on the market today are either highly artificial or only address the symptoms of sleep issues rather than the underlying cause. This is what Insomnovation seeks to address. By providing supplementation to seven key vitamins and minerals, Insomnovation hopes to bring a natural solution to put the issue of sleep disorders to rest.

Colgate-Palmolive Customer Development Finance Internship: A Collection Of Journals Entries & Testimonials Of Professional Development, Braden Byrum

Finance Undergraduate Honors Theses

This is a collection of journal entries and testimonials to professional development that I received from my internship with Colgate-Palmolive on the Walmart team. Over the span of three months it serves as a reflection on my purpose and inflictions throughout my day to day during my internship. The skills developed during this experience are monumental in professional development but also expand into my personal life. These themes are relevant to the life ahead of me and this collection will serve as an endorsement to that.

How Corporate America Has Been Impacted By Remote Work, Jack Berg

Finance Undergraduate Honors Theses

This thesis evaluates how the new era of remote work has affected organizations and their employers. Specifically, it focuses on the effect remote work has had on productivity and revenue within companies, as well as the mental health and work-life balance implications it has had on employees. Furthermore, this analysis focuses on the history of remote work, how companies have had to adapt in recent years due to the COVID-19 pandemic and how remote work will look in post-COVID-19 times. In addition, all possibilities will be assessed to examine how efficient remote work is in the workplace.

Multiple resources were …

Theranos: Case Study And Examination Of The Fraud Triangle, Abbey Jennings

Finance Undergraduate Honors Theses

Fraud is a serious issue which carries significant implications. Fraud committed by top level managers is particularly grievous, as it ripples through a firm, harming the company’s shareholders, employees, and credibility, while posing a threat to individuals and society (Zahra, et al.). A common framework in auditing, the fraud triangle, outlines three factors that if present, increase the risk or enable fraud to occur. The three factors are incentive, opportunity, and rationalization to commit fraud (Barlow).

In 2018, the Securities and Exchange Commission (SEC) charged Elizabeth Holmes, founder and CEO of a supposedly groundbreaking health tech company, Theranos, with what …

Altering Overdraft Fee Policies To Promote Consumer Financial Health, Nadia Barbarawi

Finance Undergraduate Honors Theses

The objective of this study is to describe the traditional overdraft practices, explain the reaction of the banking industry from the pressure coming from consumers, regulators, and innovative companies to reduce or eliminate overdraft fees to promote consumer financial health.

Covid-19: An Optimal Strategy To Resume Life With Safety And Economic Prosperity, Skyler Tate

Finance Undergraduate Honors Theses

The coronavirus pandemic has hit the world hard since the beginning of 2020, and the United States has certainly felt a negative impact. Many important aspects of life have been greatly altered by the pandemic, and this has resulted in a hindered economy. The purpose of this project was to determine if there is an optimal strategy with respect to policy and the economy that the United States could implement in order to mitigate the coronavirus. In order to determine this, I evaluated multiple aspects of the disease through a literature review. Upon review, I conducted a survey and performed …

The Advantages Of Active Management Overtime Through Turbulent Markets, Alexandria Rook

Finance Undergraduate Honors Theses

Unlike many other financial institutions and investment companies, GT seeks out and hires the best investment managers they can find instead of picking all the individual investments themselves. This fund-of-fund management approach is “an investment vehicle where a fund invests in a portfolio composed of shares of other funds rather than investing directly in stocks, bonds, and other securities” (Corporate Finance Institute). This approach allows GT’s clients to have access to the best in the business managers that they would not be able to source or buy into on their own. Many of the best managers have a higher buy-in …

How Has Covid-19 Affected Financial Gains Of Big-Tech Companies?, Erin Flanigen

Finance Undergraduate Honors Theses

This study investigates the impact of the COVID-19 pandemic on the financial returns received by Big-Tech companies in order to predict future financial returns and related business activities. The main objectives of this paper are to delineate business models and financial statements of Big-Tech companies prior to and during the COVID-19 pandemic, present ample, relevant economic information regarding COVID-19, and encompass the effects of COVID-19 on global economies. This study then predicts the future economic effects of COVID-19 on Big-Tech companies. The selected Big-Tech companies included in this study are Facebook, Alphabet (Google), Apple, Microsoft, and Amazon; each company saw …

An Exploration Of The Impact Of Economic Recessions On The S&P 500 And Its Sectors, Weston Sizemore

Finance Undergraduate Honors Theses

The Capital Asset Pricing Model (CAPM) is a method of predicting future stock prices based on past returns. Specific areas of CAPM analysis utilize regression analysis to accomplish this goal. Historic prices and returns for a specific stock in a company, or even whole sectors of the economy, are compared with the corresponding returns for the market. There have been several historical recessions in United States history, as well as a current, ongoing recession. These recessions, along with their causes and effects, will be discussed extensively in this paper. This paper utilizes an analysis of the Capital Asset Pricing Model …

Acquisitions: Walmart Vs Amazon, Scott Sims

Finance Undergraduate Honors Theses

The retail industry is in the process of undergoing major change. Historically big box brick and mortar strategies have dominated, but this is changing in the age of impatience and instant gratification. As consumers want items more conveniently, online retail has taken hold with no semblance of anticipated decline. At the forefront of this transformation are two industry giants: Walmart and Amazon. Walmart finds itself on the side of brick and mortar with 11,718 physical retail locations worldwide. Amazon is dominating the online retail space with control of a staggering 44% of all US e-commerce sales in 2017. These equally …

Do Investors Value The Required Stress Tests Of Financial Holding Companies?, Brendan A. Colligan

Finance Undergraduate Honors Theses

This paper explores the value of disclosing stress test results to investors and market participants within the US financial system. Recently the Federal Reserve (“Fed”) expanded its required internal stress testing program, often referred to as the Dodd-Frank Act Stress Test (“DFAST”), to include bank holding companies (“BHCs”) with more than $10 billion in total assets. These BHCs were required to publicly disclose their results for the first time in June of 2015. Large BHCs are subject to another level of stress testing implemented by the Comprehensive Capital Analysis Review (“CCAR”). Large BHCs are defined as having more than $50 …

Financial Performance In Upstream, Downstream, And Integrated Oil Companies In Response To Oil Price Volatility, Jonathan P. Garcia

Finance Undergraduate Honors Theses

This paper investigates the relation between crude oil price volatility and stock returns among oil companies using a three-part methodology, by using the West Texas Intermediate (WTI) as oil price benchmark. I asses the various indicators that set signals for oil price volatility and the interpretation of each (PMI, S&P500, DJIA, and World Crude Oil Output). This research also focuses on the relation between different types of companies in the oil industry (integrated, upstream, and downstream) and how each type of company will be assessed in a particular way to predict abnormal returns, based on market data and statistical analyses …

The Current State Of Financial Literacy Of University Of Arkansas Students: 2014, Stacia Tianne Baughman

Finance Undergraduate Honors Theses

In light of recent events in the global economy, more attention has been given to the subject of personal financial management. With a sluggish economy, rising student debt levels, increasing attention and concern, universities are considering if something should be done in an attempt to make students more financially literate. In order to better understand the current level of financial literacy, a survey of students at the University of Arkansas was conducted and compared to the same national survey conducted by Jump$tart. University of Arkansas students were found to have slightly lower levels of financial literacy than their national counterparts …