Digital Commons Network^™

Designing A Human-Centered Public Relations System For Layoffs At Organizations Across Financial And Professional Services, Kateryna Kzhemanovska

Harrisburg University Dissertations and Theses

Public relations professionals support businesses across financial and professional services sectors with several initiatives, including reduction of workforce. Given the current macroeconomic situation, as of April 2025, many companies are laying off employees, and doing so in a non-user-centric way. This study will examine existing literature on the topics of corporate communications, reduction of the workforce, reputation management, human-centered interaction design, and project management, and explore the opportunity and relevance of applying human-centered methods to the reduction of workforce processes.

Discovering Prompt Engineering: A Qualitative Study Of Nonexpert Teachers' Interactions With Chatgpt, Katherine Carl, Christopher A. Dignam

Research Days

Discussions of the use of artificial intelligence (AI) have become ubiquitous in research, industry, and education. Prompt engineering has emerged as a valuable skill desired by employers, and students have begun to express interest in learning effective ways of interacting with Generative AI. While much research has been done to formalize and optimize the process of prompt engineering, few studies have investigated the use of AI by nonexperts, including nonexpert teachers. In this study, we use qualitative analysis to characterize the process by which nonexpert teachers engage with and learn from ChatGPT as they engage with it as co-creators to …

Enhancing Animal Shelter Operations With Time Series And Machine Learning, Sakava L. Kiv, Donald L. Anderson, Shivam Negi, Jacquelyn Cheun

SMU Data Science Review

Enhancing animal shelter operations through machine learning involves employing a variety of advanced techniques aimed at increasing efficiency, promoting animal welfare, and optimizing resource allocation. This paper explores predictive analytics for adoption rates using regression models to estimate the likelihood of adoption based on historical data, encompassing variables such as breed, health status, and previous adoption trends. Additionally, classification algorithms are utilized to categorize animals by adoption probability, facilitating better resources and marketing prioritization. Clustering algorithms are employed to group animals according to behavior patterns and/or physical health, enabling tailored medical care and enrichment activities that improve their mental and …

Tax Trends, Nicholas J. Fiore

Tax Adviser

No abstract provided.

Tax Clinic, Thomas Ochsenschlager

Tax Adviser

No abstract provided.

Utah Women, Discrimination, And Sexism: Experiences And Perceptions, April Townsend, Susan R. Madsen

Marketing and Strategy Faculty Publications

During the fall of 2023, Utah Women & Leadership Project (UWLP) researchers conducted a statewide study to establish a baseline for public perceptions related to the awareness, understanding, and attitudes about challenges that Utah women and girls face. In early 2024, UWLP published 20 research summaries¹ that shared the results of this comprehensive study. Then, in the fall of 2024, the survey was administered again around the state of Utah with slight refinements. Between January and April of 2025, we have shared the results of the 2024 data by releasing six white papers, this being the final report in …

The Use Of Stress Testing In Evaluating Systemic Risk: Lessons From The Global Financial Crisis, Katherine Laws

Honors Theses

This paper examines the role of stress testing as a crucial tool for assessing systemic risk in the financial system, particularly in the aftermath of the global financial crisis. The global financial crisis, which unfolded between 2007 and 2009, exposed significant vulnerabilities within financial institutions and highlighted the inadequacies of existing risk management frameworks. In response, regulators and financial institutions increasingly turned to stress testing to evaluate the resilience of financial systems against economic shocks.

The paper will begin by defining systemic risk and the importance of effective risk assessment strategies. The paper will outline how stress testing can simulate …

Tax Trends, Nicholas J. Fiore

Tax Adviser

No abstract provided.

Tax Planning Using Electronic Spreadsheets On The Microcomputer, C. Douglass Izard

Tax Adviser

No abstract provided.

Tax Clinic, William T. Diss

Tax Adviser

No abstract provided.

Investment Analysis Of Costco: A Comprehensive Strategic And Financial Evaluation, Shane Johnson

Honors Theses

We provide an investment analysis of Costco Wholesale Corporation by conducting an analysis of the fundamental business model, industry standing, financial performance, and long-term investment potential. As a leader in the warehouse retail industry, Costco has experienced significant growth through its cost-efficient operations, bulk sales approach, superior supply chain management, membership fee revenue streams, high quality product offerings, and strong customer loyalty. This research seeks to answer the question: Is Costco a good investment opportunity based on its valuation, competitive positioning, financial performance, and overall industry outlook? We begin with a business and industry overview, analyzing Costco’s business strategy in …

Debt Analysis And Evaluation, Anh Nguyen

Undergraduate Research Conference

Abstract: The household debt dynamics in the United States have been influenced by some socio-demographic factors. This study examines the socio-demographic factors by using a dataset of 15,000 households from the 2019 Survey of Consumer Finances. The research analyzes determinants including age, education, marital status, college level, race, kids, job, rent, knowledge, willingness to take financial risks, financial literacy, and the total value of a checking account.

Lessons Learned: J. Christopher Flowers, Mary Anne Chute Lynch

Journal of Financial Crises

J. Christopher Flowers has been managing director, CEO, and chairman of the private investment firm J.C. Flowers & Co. LLC for many years. During the Global Financial Crisis (GFC) of 2007–2009, Flowers was involved with investing in some of the largest banks and financial institutions in the world and advising and consulting with them on possible acquisitions, mergers, and sales as several of these firms began to collapse. In the fall of 2008, Flowers worked closely with the Bank of America (BofA) on proposals to acquire Lehman Brothers and Merrill Lynch, and he developed a plan for private investors to …

Lessons Learned: Giorgio Gobbi, Mercedes Cardona

Journal of Financial Crises

Giorgio Gobbi joined the Economic Research Department of the Bank of Italy in 1990 and was assigned to carry out analysis and research on the banking industry. From 1998 to 2004, he headed the department’s Financial Intermediaries Office and represented the bank at the International Monetary Fund, the Bank of International Settlements, and the European Central Bank. Starting in 2007, Gobbi headed the Financial Structure and Intermediaries Division within the bank’s Structural Economic Analysis Department. He was appointed deputy head of the Financial Stability Unit in 2013 and became head of the Financial Stability Directorate in 2014.

United States: Lehman Brothers Broker-Dealer Emergency Liquidity Program, 2008, Ayodeji George, Steven Kelly

Journal of Financial Crises

On Sunday, September 14, 2008, a deal to sell the United States investment bank Lehman Brothers Holdings Inc. (LBHI) to United Kingdom–based Barclays fell apart. US authorities informed LBHI that, given the lack of rescue funds, it would need to file for bankruptcy before Monday morning to avoid additional chaos for the firm and markets. However, authorities understood Barclays was still interested in buying Lehman’s broker-dealer subsidiary, Lehman Brothers Inc. (LBI). Federal Reserve and Treasury officials were concerned about the impact that the sudden failure of LBI could have on financial markets. LBI had $87 billion in secured overnight repurchase …

United States: First Republic Bank Emergency Liquidity Program, 2023, Salil Gupta, Jack French, Steven Kelly

Journal of Financial Crises

First Republic Bank, a California-based institution with $212.6 billion in assets, lost $25 billion in deposits on Friday, March 10, 2023, following the closing of Silicon Valley Bank that morning. On Sunday, March 12, First Republic announced that it had access to $70 billion in unused liquidity owing to its borrowing capacity at the Federal Reserve, the Federal Home Loan Bank System, and JPMorgan Chase (JPMC). But First Republic’s depositors withdrew a further $40 billion of deposits on Monday, March 13. First Republic’s borrowings from the Federal Reserve rose as high as $109 billion between Friday, March 10, and Wednesday, …

United States: Citigroup Emergency Liquidity Program, 2008, Vincient Arnold

Journal of Financial Crises

By November 21, 2008, against the backdrop of heavy losses during the Global Financial Crisis, Citigroup counterparties were substantially pulling back from the firm. On November 23, the US Department of the Treasury, Federal Deposit Insurance Corporation (FDIC), and Federal Reserve announced a support package for Citi composed of a capital injection and a loss-sharing arrangement on $300.8 billion of assets. Under the Asset Guarantee Program (AGP), Citi would absorb the first $39.5 billion in losses on a mutually agreed upon pool of risky assets; the Treasury and FDIC provided $15 billion in loss protection after that, combined with Citi’s …

Sweden: Carnegie Investment Bank Ab Emergency Liquidity Program, 2008, Sophia Alden, Jack French

Journal of Financial Crises

In October 2008, Carnegie Investment Bank AB (Carnegie) had trouble obtaining financing amid concerns about its financial health. However, Sweden’s central bank, the Sveriges Riksbank (Riksbank), and the Swedish Financial Supervisory Authority (FSA) still viewed Carnegie as solvent. Between October 27 and 28, the Riksbank lent Carnegie 2.4 billion Swedish kronor (SEK). As collateral for the loan, Carnegie and its holding company, D. Carnegie & Co. AB (D. Carnegie), provided all shares and subsidiaries in Carnegie as well as all shares in a sister subsidiary under D. Carnegie, Max Matthiessen Holding AB (Max Matthiessen). On November 10, 2008, the FSA …

Iceland: Kaupthing Emergency Liquidity Program, 2008, Sophia Alden, Léo Brougher

Journal of Financial Crises

Following the privatization of Iceland’s state-owned banks between 1998 and 2003, the three largest banks in Iceland—Glitnir, Landsbanki, and Kaupthing—grew rapidly, with consolidated assets increasing from 100% of Iceland’s GDP in 2004 to nearly 900% by the end of 2007. Initially, this growth was funded by debt issuances in the European medium-term note market; however, as cracks in the international financial system appeared in 2006, the banks turned to offering high-interest savings accounts through their foreign subsidiaries. Beginning in October 2006, Kaupthing launched “Kaupthing Edge,” an online savings and deposit platform operating in markets outside Iceland. When the United States …

Containing Runs On Solvent Banks: Prioritizing Recovery Over Resolution, Edoardo David Martino, Enrico C. Perotti

Journal of Financial Crises

The sudden banking defaults in the spring of 2023 proved current prudential norms insufficient to prevent bank distress. Capital and liquidity norms need to be adjusted. The experience also shows how a lack of credible supervisory tools led to forbearance and finally chaotic public bailouts. An intervention gap arises when viable but undercapitalized banks are at the mercy of runs. Once outflows start to escalate, all that is left is to prepare for resolution and assign losses. We call for new Pillar II – i.e. activated by the supervisor – stabilizing measures, as contingent capital and liquidity tools.

A timely …

Data Quality And Enterprise Architecture: An Analysis Of The Awareness And Knowledge Of Data Quality Artifacts, Principles, Practices, And Application In Enterprise Architecture, Jason Alan Minton

Theses and Dissertations

Enterprise Architecture (EA) is a discipline, approach, and practice that aims to align the enterprise’s technical infrastructure, strategy, processes, and technology investments with the organization’s strategy to fulfill the mission and vision. Data quality is conformance to data specifications (Talburt, 2015, p. 192), and low data quality has significant implications for decisions and outcomes across the enterprise. Scant literature and research exist surrounding the intersection, integration, and impact of data quality within EA practices. This research examines the awareness and understanding of Enterprise Architect and Technology Architect populations regarding data quality concepts, artifacts, and tools. The research aims to answer …

Empowering Consumers: The Impact Of Awareness On Skill Development And Assertiveness In Market Engagement, Megawati Simanjuntak

Journal of Marketing and Consumer Behaviour in Emerging Markets

Consumer empowerment focuses on the knowledge, attitudes, skills, and advocacy that enable consumers to recognize and defend their rights and responsibilities. This study aims to explore the relationship between consumer awareness, skills, and assertiveness, highlighting the role of consumer empowerment in defending their rights. The study involves 2,600 respondents, consisting of 1,400 individuals from urban areas and 1,200 individuals from rural areas, analysed using Structural Equation Modelling (SEM). The findings reveal that consumer awareness significantly enhances both skills and assertiveness. Additionally, consumer skills serve as a mediator linking awareness and assertiveness. This research emphasizes that higher awareness among consumers can …

Navigating Work-Life Balance: A Study Of School Educators In Challenging Contexts, Laurent Yacoub, Sara Abou Ibrahim, Nadine Osman, Zubaida Daye, Nada Jabbour Al Maalouf

Arab Economic and Business Journal

Work-life balance has become an essential aspect of employees’ fundamental rights provided by the workplace in almost every industry. While WLB is widely recognized for enhancing employees’ productivity, motivation, and consequently, the overall success of the organization, limited research has focused on its role in the educational sector, particularly in Lebanon. In the educational sector, this concept is particularly important since this sector is known for the high amounts of workload during and after school hours. This study explores the impact of work-life balance on job satisfaction among both Lebanese and non-Lebanese teachers in private and public schools in Lebanon, …

Nonlinear Monetary Policy Reaction Function And Macroeconomic Fundamentals In India, Masud Hasan Adil, Vishal Sharma, Sana Fatima

Bulletin of Monetary Economics and Banking

The hybrid Taylor rule of the Reserve Bank of India (RBI) is the subject of the current study, which investigates nonlinearities in an open economy that includes a fiscal variable. The analysis employs a nonlinear cointegration approach and identifies policy preference asymmetries. The RBI prioritizes price stability due to the preference for inflation avoidance over recession. Fiscal variable plays a significant role in estimating the Taylor rule, which suggests that it is necessary to align fiscal and monetary policy in order to maintain the inflation within the designated range. Lastly, the nonlinear Taylor rule findings not only aid in comprehending …

The Impact Of Ai Use In Programming Courses On Critical Thinking Skills, Christian Jay St Francis Clarke, Abdullah Konak

Journal of Cybersecurity Education, Research and Practice

Proficiency in computer programming extends far beyond memorizing syntax; it depends on the cultivation of critical thinking. Computer programming requires multiple interconnected competencies, including systematic problem analysis, algorithmic reasoning, mastery of programming languages, debugging capabilities, a comprehensive understanding of software development methodologies, rigorous testing practices, and systematic troubleshooting approaches. These skills are also essential for cybersecurity experts; cybersecurity programs require several programming courses to enhance students’ technical and critical thinking skills. Generative AI (GenAI) technologies have fundamentally changed the process of developing applications and approaches to teaching coding. The growing use of GenAI technologies by students in writing computer code …

A Brave New World Of Human Resources Research: Navigating Perils And Identifying Grand Challenges Of The Genai Revolution, Anthony Nyberg, Deidra J. Schleicher, Bradford S. Bell, Corine Boon, Peter Cappelli, David G. Collings, Joseph E. Dalle Molle, Stefan Feuerriegel, Berry Gerhart, Yoojin Jeong, M. Audrey Korsgaard, Dana Minbaeva, Robert E. Ployhart, Prasanna Tambe, Ingo Weller, Patrick M. Wright, Valery Yakubovich

Faculty Publications

This paper reviews the transformative role of Generative Artificial Intelligence (GenAI) in Human Resource (HR) management, from a practice perspective, highlighting both opportunities and challenges and laying out a use-inspired future research agenda. This scoping review is grounded in insights from a unique Summit held in Spring 2024, which brought together HR academic scholars with dozens of Fortune 500 Chief Human Resource Officers (CHROs) and their top technical leaders to discuss the workforce implications of GenAI. The paper identifies six key themes from the Summit practitioners: GenAI as disruptive and transformative, data as competitive advantage, adoption challenges, potential ethical abuses, …

Bryant University Research And Engagement Day Program

Bryant REDay (Research and Engagement Day)

No abstract provided.

Global Leaders Must Be Systems Thinkers. This Is A Problem. What To Do About It., Larry M. Starr, Phd

School of Business Faculty Papers

Two cognitive approaches are described about how people including global organizational leaders understand, formulate and try to intervene and solve problems. The prevailing, conventional approach is based on analytic thinking, established 400 years ago. A second approach is systemic thinking which is less than 100 years old, and unlikely to be taught, learned or applied. Increasing evidence about the nature of problems experienced by global leaders is that the context in which problems are occurring is volatile, uncertain, complex, ambiguous and hyperconnected (VUCAH). While analytic thinking, methods and tools are appropriate and effective for problems in contexts that are stable, …

Ai Beliefs And Practices In Community College Classrooms, Julie Eng, Heather Umphlett, Jocelyn Gilchrist, Alicia Howell, Mary Ann Howell, Wendy Miller-Edwards, Laurel Pope

Inquiry: The Journal of the Virginia Community Colleges

The country, the Commonwealth of Virginia, and Virginia Community College System initiatives all promote generative AI within education. It is a topic of great concern and interest for higher education instructors, yet at the same time many faculty members feel uncertain about effectively integrating it into class material. To further add pressure to the AI explosion, community colleges particularly face a responsibility to prepare their students for success in this new AI-focused environment. In this article, seven faculty members from Camp Community College discuss the implications of generative AI programs, including subscriptions and chatbots, within their particular courses and how …

A Practical Guide For Navigating The Pte Tax Landscape, Caitlin Sizemore

Undergraduate Theses

The State and Local Tax (SALT) deduction has historically allowed taxpayers to deduct the full amount of state and local income, property, or general sales tax paid as an itemized deduction on their federal tax return. However, with the passage of the Tax Cuts and Jobs Act (TCJA) in 2017, this deduction was capped at $10,000, creating disparity for taxpayers in high tax states and causing those high tax states to look for workarounds. In response, many states have introduced the Pass-Through Entity (PTE) tax as a workaround to the SALT cap. Pass-through entities are typically defined by the flow …