Digital Commons Network^™

The Influence Of Financial Literacy On The Financial Behavior Of Students In The Higher Learning Institutions In Tanzania, Lisa John Baltazar, Evelyn Mweta Richard

Business Management Review

This study examines how financial literacy influences financial behavior as measured by spending, saving and investment and borrowing behavior of university students. The study was informed by the theory of planned behavior. Explanatory research design was used to test the research hypothesis. Data was collected through using a structure questionnaire which was administered both physically and online.  446 random selected students across Universities in Tanzania participated in the study, and simple linear regression analysis was used to establish the effect of financial literacy on financial behavior.  It was established that majority of the students are considered financially illiterate. However, the …

Unpacking The Nexus Between Financial Inclusion And Tax Compliance In Tanzania, Sarah Senso, Henry Zeno Chalu, Cosmas Renatus Masanja

Business Management Review

The study examined the influence of financial inclusion and tax compliance in Tanzania, focusing on access to financial services, quality of financial services, and usage of financial services. Guided by the positivist philosophy, the study employed a deductive approach utilizing the supply-leading theory and economic deterrence theory as the guiding frameworks. A cross-sectional survey design was employed, and multistage sampling was employed to obtain a sample of 386 bank agents by using a multistage sampling method. The study used primary data that was collected through structured questionnaires, which contained closed-ended questions measured on a 7-point Likert scale, and analyzed data …

Ai Need Not Make One Slothful, Roy A. Kaelin Jr

Faculty Publications

As National Louis University seeks to plan and advance its way amid the potential perils and pitfalls of so-named artificial intelligence, one finds that with reasonable workflows and guard rails, the use of AI proposes both potential promise and prospect, to assist and augment the natural intelligence that students and teachers bring to the classroom, encouraging them to pursue STEM-related activities with the preparation and deployment of focused and directed AI-bots. This paper presents examples and a case study of that directed and focused approach, the incremental lessons learned to date, and a proposed path to advance worthwhile AI …

Preparing For The Ai-Driven Accounting Workforce, Thomas C. Pate

Accounting Undergraduate Honors Theses

Artificial Intelligence (AI) is embedded in accounting workflows, raising concerns about job displacement, professional relevance, and ethical risk. This thesis argues that AI represents an evolutionary force in accounting, not a disruptive replacement of human professionals. By situating AI within the historical trajectory of accounting technologies, the paper demonstrates that technological change has consistently reallocated work toward higher-value activities instead of eliminating the need for professionals. The analysis examines how generative and agentic AI are transforming core accounting functions, including auditing, financial reporting, tax compliance, and strategic decision support, primarily through the implementation of automated processes for data-intensive tasks. The …

The Cobalt Curse: Cobalt’S Role And Risks, Marley Jackowitz

Student Theses 2015-Present

This paper examines the hidden environmental, geopolitical, economic, and social costs of the cobalt supply chain. Fueled by the demand for battery technology and electric vehicles, cobalt has become an essential element to the green energy transition. With the largest share of global cobalt deposits, the Democratic Republic of the Congo bears a disproportionate share of the industry’s harms. Cobalt mining in the DRC is marked by environmentally degrading practices and inhumane working conditions, compromising Congolese health, safety, and well-being. Chapter 1 discusses the environmental impacts of DRC cobalt mining and its adverse effects on public health. Environmentally degrading mining …

Consumerism In The Digital Age: Environmental And Cultural Consequences, Danielle Andrea Montoya

Student Theses 2015-Present

Overconsumption has emerged as a significant environmental problem, characterized by persistent patterns of buying, using, and discarding goods at rates that exceed ecological limits. In the digital age, these patterns of consumption are reinforced by economic systems, technological advancements, and cultural norms that make constant consumption feel normal and convenient. While consumption is necessary for everyday life, consumption beyond basic needs contributes to increased waste, resource depletion, pollution, and climate change. Overconsumption is embedded in daily habits such as online shopping, food consumption, and frequent product replacement. Therefore, understanding and addressing overconsumption is crucial for achieving environmental sustainability and social …

A Forecasting Framework For Distribution Center Capacity Utilization: An Applied Industry Study, Jordan J. Shortt

Data Science Undergraduate Honors Theses

This project develops and evaluates a predictive modeling framework for forecasting distribution center capacity utilization at Company Y, with monthly forecast horizons up to one year. Motivated by the operational challenges of seasonal demand volatility, promotional cycles, and the absence of a formally defined capacity metric, the study first constructs a historical capacity utilization measure from raw warehouse management system data — reconciling item volumes, location dimensions, and utilization factors across all DCs — which serves as the target variable for all modeling work. Four models are developed and evaluated against a naïve seasonal baseline: SARIMA, LightGBM, LSTM, and a …

Developing Tracking Compliance Standards For Inbound Freight: A Data-Driven Industry Application At O’Reilly Automotive, Jackson Endacott

Data Science Undergraduate Honors Theses

Visibility of inbound freight is critical for managing operational efficiency, yet many organizations lack standardized compliance metrics for third-party carriers to uphold, preventing them from utilizing tracking data to make data-driven decisions. During a summer internship with the Transportation Department at O’Reilly Automotive, data inconsistencies were addressed in the Transportation Management System (TMS), and that data was utilized to create tracking compliance standards for third-party carriers. Data populated from various sources within O’Reilly’s TMS was cleaned, validated, and utilized to create a Tracking Scorecard that evaluates message transmission rates, timeliness, and errors. This tool provides actionable insights to improve tracking …

A Systems Engineering-Based Method For Enabling Digital Transformation In A Binational Small Healthcare Enterprise, Manuel Adrian Alvarez Ramirez

Open Access Theses & Dissertations

The year 2020, often described as "the great accelerator" for emerging technologies, marked a period of significant transformation in lifestyles, work patterns, and business strategies. For instance, online meetings have become more convenient than in-person interactions, even with colleagues in neighboring offices. For small businesses, rapid regulatory and technological changes required swift adaptation, including the acquisition of new technologies, tools, and software to ensure survival. This transition also necessitated adopting indirect engagement, revising communication protocols, and digitally transforming information. Small and Medium-sized Enterprises (SMEs) in essential service sectors face also a fundamental paradox: their dependence on the skills, relationships, and …

Modular Category Optimization For Substitutability: An Item-Level Approach, Medhansh A. Sankaran

Data Science Undergraduate Honors Theses

This thesis examines substitutability within Walmart apparel as a foundation for modular category optimization. Using large-scale item-level data, I develop an attribute-based framework that aggregates products to the fineline level, constructs a structured feature space, and identifies candidate substitute relationships through similarity-based matching within relevant merchandise groupings. The results show that Walmart item master data contains sufficient structure to support scalable substitute generation across a high-variety assortment. However, substitutability is not uniform: many item pairs exhibit high similarity but low observed demand transfer, indicating that structural similarity alone does not guarantee substitution. To address this, the framework is positioned within …

Escaping The Promotion Trap: A Machine Learning Framework For Brand Equity Preservation In Beverage Cpg, Lucas P. Jones

Data Science Undergraduate Honors Theses

When companies acquire beverage brands, they typically value them based on total sales revenue. This traditional approach treats all sales equally over time, whether they are driven by genuine consumer demand or temporary discounts. This is important because while promotions can boost short-term sales, they tend to erode brand value over long periods of time. The measurement problem extends to acquisitions, where buyers lack the tools to distinguish real consumer demand from artificial promotional inflation.

This thesis develops a framework to separate genuine baseline demand from promotional dependence using Nielsen scanner data covering 189 beverage brands across 188,304 weekly observations …

The Impact Of Quantum Computing And Distributed Ledger Technology On Accounting/Auditing/Finance Systems, Ulingeta O. L. Mbamba

Business Management Review

The integration of Quantum Computing (QC) and Distributed Ledger Technology (DLT) is poised to fundamentally reshape modern accounting by transforming how financial data is processed, secured, and verified. QC, utilising qubits, will exponentially enhance data analytics, risk assessment, and real-time financial forecasting, accelerating complex auditing tasks far beyond the capabilities of classical systems. In parallel, DLT, such as blockchain, provides a decentralised, immutable record of transactions, significantly increasing transparency and trust. This synergy may enable real-time analysis, continuous auditing, and intelligent automation, converting traditional static, centralised processes into dynamic, transparent ecosystems. Together, this convergence may redefine accounting, auditing, and finance, …

The Challenges And Strategies Of Leading A Diverse Team As A Project Manager, Karissa Naomi Smith

Senior Honors Theses

Diversity comes in many forms, including age, race, ethnicity, and gender, and each one presents a separate set of challenges to the team. With a trained and adaptive manager, unity can be created even among the most diverse members of their team. Equipping with strategic options helps build a productive, unified, diverse team. Case studies are incorporated to show the use of strategies and the benefit of trust to better performance, decision-making, and team unity. Trust among the members can bring performance and efficiency to a diverse team. Ultimately, research demonstrates that a diverse team will lead to challenges, but …

Fighting Against Recruitment Scams: Theory-Driven Supervised Learning And Empirical Analysis For Digital Fraudulent Recruitment Posting Behavior, Tom (Tianteng) Wang, David (Jingjun) Xu, Keng Siau, Zhongju (John) Zhang

Research Collection School Of Computing and Information Systems

The number of recruitment postings on digital recruitment hiring platforms has increased since the COVID-19 pandemic. However, the weak surveillance and operations of these platforms, combined with the fact that most job seekers have relatively low vigilance and a strong desire for recruitment offers, enable scammers to easily deceive job seekers for their money and confidential information. In this work, we combine prevailing text mining techniques (i.e., ChatGPT with prompting engineering and supervised machine learning) with interpersonal deception theory (IDT) from social science to design an interpretable IT system to predict fraudulent recruitment postings on digital recruitment-hiring platforms. We compare …

"Nobody Reads Books Anymore:" Challenges, Opportunities, And Recommendations For The Book Publishing Industry In A Digital World, Nathan D. Provencher

Marketing Undergraduate Honors Theses

This thesis analyzes the current challenges and opportunities facing the book publishing industry in the digital era. Although recent data suggests a decline in reading for pleasure among U.S. adults, industry revenues remain relatively stable, indicating that traditional measures of reading do not fully reflect industry performance. This thesis examines how digitization influences key aspects of the book publishing industry, including production, marketing, and consumption. Using a combination of secondary research and an interview with a self-published author, this thesis analyzes the impact of digital technology on the industry. The findings indicate key challenges, including increased competition for consumer attention, …

Understanding Challenges Faced By Refugee Women And Women With Experiences Of Forced Migration In Entrepreneurship In The Midwest Region Of The United States, Ritu Jadwani

College of Education and Human Sciences: Dissertations, Theses, and Student Research

The labor market participation of refugee women was only 6%. The United States had the maximum employment rate for the refugee women population, which was 40%, as compared to 6% in Germany, Lebanon, and Jordan (Kabir & Klugman, 2019). Refugee women faced many challenges in labor force participation and especially in entrepreneurship. As demonstrated by Desai, Naude, and Stel (2020), refugees faced challenges like cultural integration, language barriers, level of education, and acceptance of education merits. This eventually led to disparities in income generation. Thus, many either remained in low-paying jobs or started their own business (Desai et al., 2020). …

Augmented Reality In Fashion Retail: A Walmart Unlimited Study, Chloe A. Mcpherson

Apparel Merchandising and Product Development Undergraduate Honors Theses

As technology continues to evolve, augmented reality (AR) has become increasingly common within the retail and fashion industries. This study explored Gen Z consumers’ perceptions of immersive AR shopping experiences through Walmart Unlimited, an interactive digital shopping platform. The purpose of this research was to better understand how younger consumers respond to AR-enhanced shopping environments and whether these technologies influence attitudes toward convenience, engagement, and sustainability in retail.

A quantitative research design was used for this study. Participants completed the Walmart Unlimited shopping experience and then responded to a Qualtrics survey measuring areas such as immersion, satisfaction, ease of use, …

The Problem Child Of Defense: A Comprehensive Historical Analysis Of The Inherent Imbalances And Structural Contradictions That Have Plagued The United States Military Acquisitions System For Eighty Years, Shepherd E. Dollahon

Finance Undergraduate Honors Theses

This thesis examines the structural contradictions and systemic failures that have defined the United States defense acquisitions system across eight decades of reform. Beginning with the creation of the Department of Defense in 1947 and proceeding through the Hegseth-era reforms of 2025, this analysis traces the cyclical pattern by which each successive administration identified procurement dysfunction, issued legislative remedies, and declared progress — only to produce new failures while leaving the underlying pathologies intact.

The central argument is that the defense acquisitions system has never suffered primarily from mismanagement or insufficient oversight, but from a structurally embedded incentive architecture that …

Aligning Strategy And Execution: The Role Of Senior Leaders In Project-Driven Organizations, Kenneth J. Boff

M.S. in Leadership

Strategic alignment remains a persistent challenge in project‑driven organizations, where shifting priorities and distributed execution often create gaps between strategic intent and project‑level action. This study examined how Senior Leadership Communication Practices influence Strategy–Execution Alignment and tested whether Organizational Culture for Alignment and Change Management Readiness mediate that relationship. A quantitative, cross‑sectional survey was administered to 54 senior leaders in project‑driven environments. All constructs demonstrated strong reliability, and correlation & regression analyses confirmed significant positive relationships among leadership communication, cultural alignment, readiness, and strategic alignment. Leadership communication significantly predicted culture (R² = .444), readiness (R² = .431), and alignment (R² …

Workload As A Tipping Point: A Serial Mediation Model Examining The Roles Of Job Crafting And Workload On Work Engagement, Affective Commitment, And Turnover Intentions, Jessica E. Langston

Dissertations

Job crafting is one way in which employees can boost their performance and satisfaction, and organizations can reap the benefits of high performance. Job crafting refers to an employee’s ability to proactively redesign a job to foster their satisfaction, engagement, and resilience toward work (Wrzesniewski & Dutton, 2001). After twenty-five years of study, the positive impacts of job crafting are well-established (Bhagat & Arora, 2021; Bruning & Campion, 2018; Wong et al., 2017; Wrzesniewski & Dutton, 2001). Recently scholars have noted the potential downsides and have called for more research into the nuances of job crafting when explored through the …

Flipping The Format: A Comparative Analysis Of Pedagogy’S Performance On Comprehension In Introductory Financial Accounting Education, Allison Drozd

Theses/Capstones/Creative Projects

Education is an ever-evolving field, and accounting education is no different. Introductory financial accounting is a required business course at universities that is characterized by high failure rates (Kealey et al., 2005). Evidence suggests that active learning and constructivist approaches improve comprehension of introductory financial accounting concepts as measured by exam performance. All methods studied produced statistically significant positive results on comprehension learning outcomes. Many professors' experiences support the studies' sentiment that active learning is important for teaching course concepts. The evidence reviewed in this thesis supports positive learning outcomes for comprehension of accounting concepts through active learning and constructivist …

Leading Ai Adoption In Organizations: Introducing A Behavioral Human-Centered Approach, Shane Schweitzer, Devesh Narayan, Jack Mcguire, David De Cremer

Research Collection Lee Kong Chian School Of Business

Initiatives to implement AI technologies in organizations fail at an alarming rate. We argue that leading the adoption of AI is not a simple engineering exercise but rather represents a behavioral exercise where change management principles—the process by which organizations plan, implement, and embed changes in practices—are employed. However, many AI initiatives in business focus predominantly on the AI systems themselves, assuming humans will fall in line. To solve this, we integrate ideas from change management with scholarship on human-centered artificial intelligence to offer a behavioral approach that accounts for the impact of AI adoption on humans at all stages …

Techno-Imagination: Elevating Creativity Through Xr And Ai, Christopher Spitzer

Creativity and Change Leadership Graduate Student Master's Projects

Techno-Imagination: Elevating Creativity Through XR and AI explores the history of creativity and computing technology, supported by research and academic literature, and looks at the possibilities of a convergence between the two. In parallel, a brief biographical story of the author shares how a passion for creativity emerged, along with a growing interest in science and technology—specifically extended reality—which ultimately came together in the creation of this master’s project. The project also highlights how the Creative Problem Solving (CPS) process was used alongside AI bots and twenty research-based creative thinking skills in developing the business model canvas. Finally, the outcome …

A Fine Arts Program For No. 1 Chase Manhattan Plaza, Paul Richert-Garcia

Theses and Dissertations

This thesis reads Chase Manhattan's 1959 art program as a reconstitution of ornament. The spatial and affective work historically performed by murals, carved stone, and mosaic was now performed by collecting—contemporary art, ethnographic holdings, folk art—deployed by committee across a corporate modernist master plan stripped of the handcraft tradition.

Editorial: El Juego De Rol Como Instrucción Para La Inmortalidad, Romano Ponce Díaz

Journal of Roleplaying Studies and STEAM

El presente número del Journal of Roleplaying Studies and STEAM examina la convergencia entre las prácticas lúdicas, el diseño narrativo y los procesos de mediación sociocultural en la investigación contemporánea. Las contribuciones reunidas en este número abordan el juego de rol como un dispositivo de producción de conocimiento, intervención psicoeducativa y reelaboración de representaciones culturales. Nos podemos atrever a señalar que la educación es la convergencia entre la ludología, las ciencias sociales, los estudios visuales y el análisis cultural; entendiendo a la educación como la actividad consciente e intencionada de transmitir información y conocimientos a las siguientes generaciones.

Practicing Conflict Transformation Skills Through Role-Playing Games For Diversity, Equity, And Inclusion In Higher Education, Alexandra Schreiber, Kjell H. Hugaas, Sarah L. Bowman

Journal of Roleplaying Studies and STEAM

No abstract provided.

3d: Dragones, Dados Y Deseos. Rituales En Las Comunidades Roleras De Bogotá, Francisco Gonzalez Buitrago

Journal of Roleplaying Studies and STEAM

¿Qué ocurre cuando la ficción deja de ser solo entretenimiento y se transforma en refugio, ritual y espacio de transgresión? Este artículo analiza los hallazgos de una etnografía y un ejercicio de cartografía social en torno a comunidades roleras de Bogotá, mostrando cómo jóvenes y adultos reconfiguran sus vidas cotidianas a través del juego de rol.

Lejos de limitarse al escapismo, las partidas se convierten en escenarios simbólicos donde caben la negociación, la crítica y la catarsis. En una ciudad marcada por la incertidumbre generacional y las tensiones entre género, clase y territorio, las campañas de rol permiten reimaginarse a …

The Functions Of Role- Playing Games: How Participants Create Community, Solve Problems And Explore Identity, De Sarah Lynne Bowman (2010) [Reseña De Libro], Cristo Leon

Journal of Roleplaying Studies and STEAM

The Functions of Role-Playing Games: How Participants Create Community, Solve Problems and Explore Identity, by Sarah Lynne Bowman, is an ambitious, wide-ranging, and still necessary work for role-playing game studies. Published in 2010, the book proposes that role-playing and roleplaying games fulfill three main social and psychological functions: creating community, facilitating problem solving, and enabling the exploration of identity. Bowman develops this thesis through a combination of theoretical review, cultural reflection, and participant-observer ethnography, based on interviews with players of tabletop role-playing games, live-action roleplaying games, and virtual environments. Organized into seven chapters, the book moves clearly from the …

The Impact Of Job Satisfaction, Organizational Commitment, And Employee Engagement On The Intent To Leave The Law Enforcement Profession For Police Officers, Veronica Lynn Dougherty-Denny

All-Inclusive List of Electronic Theses and Dissertations

In today’s dynamic organizational environment, worker factors such as job satisfaction, employee engagement, organizational commitment, and psychological contract fulfillment are vital for organizational success. This study examined their perceived relationship with police officers’ intent to leave the law enforcement profession. The problem addressed worked to understand factors influencing retention, including psychological contract breaches and workplace outcomes. The purpose of this quantitative study was to investigate the perceived relationship between job satisfaction, employee engagement, organizational commitment, and intent to leave the law enforcement profession all housed within the psychological contract. Five research questions addressed these variables and demographic factors (gender, years …

Strategic Marketing Plan For An Ai-Powered Personalized Wellness Platform, David D. Dilts

Senior Honors Theses

Demand for personalized nutrition guidance is analyzed within the context of the expanding digital health and fitness sector. A review of current literature highlights major trends shaping the industry, including AI‑powered coaching, wearable integration, precision nutrition, and sustainability‑focused consumer behavior, as well as legal and ethical compliance. These insights inform the development of a strategic marketing plan for an AI‑powered wellness platform that unifies fitness, nutrition, genomics, and environmental impact scoring. The plan outlines target markets, competitive positioning, and product differentiation through adaptive personalization and ethical data practices. Findings suggest that combining AI, biometric data, and sustainable design can enhance …