Finance and Financial Management Commons^™

An Empirical Analysis Of Sentiment And Confidence Regarding Interest Rates In Disclosures Of Public Firms In The U.S. Fintech Sector, James J. Farley

USF Tampa Graduate Theses and Dissertations

This dissertation studied the channel of communication of 10-K and 10-Q financial reports and the effectiveness of relaying interest rate sentiment. 10-K financial reports relay information regarding a company’s financials on a yearly basis while 10-Q reports relay information on a quarterly basis. To study a newer industry of Fintech and how it may be affected by interest rates it was necessary to narrow Fintech to the United States and a coordinated public channel of communication using the 10-Q and 10-K financial reports. Fintech emerged as a relevant word and industry coming off the Great Recession of 2009. During the …