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Articles 3181 - 3210 of 149427
Full-Text Articles in Entire DC Network
Becoming Art Itself: A Study On The Generative Logic And Discursive Structure Of Disability Art Incubation Institutions, Gonghui Lu
MA Theses
This study employs “Becoming” as its core analytical concept to examine how disability art incubation institutions operate at the intersection of contemporary art history and social systems as mechanisms that continuously generate both art and subjectivity. Building on Deleuze’s philosophy of becoming and Guattari’s notion of the rhizome, the study constructs a generative model linking art, institutions, and discourse. Through comparative analysis of international cases, it discusses the shift in disability art from a representational logic to a generative logic, and the dynamic oscillation between deterritorialization and reterritorialization within institutional practices. The study argues that disability art should not be …
From Monasteries To The Market: The Legal And Spiritual Economies Of Himalayan Art In China, Hengshi An
From Monasteries To The Market: The Legal And Spiritual Economies Of Himalayan Art In China, Hengshi An
MA Theses
In recent years, the Himalayan art market in China has shown a remarkable transformation, emerging as one of the most dynamic segments within the broader Asian art economy. While much of the global and domestic art market has stagnated, Tibetan and Himalayan artworks have achieved sustainable growth and high auction price with major collections been published, showing structural strength rather than speculative enthusiasm. This paper examines the drivers behind this phenomenon through a qualitative analysis of auction data, dealer networks, and collector behavior across key hubs in China such as Beijing, Chengdu, Shanghai, and Hong Kong. The findings suggest that …
When Fine Art And Commercial Art Merge: A Playbook For Emerging Artists Without Gallery Representation To Create Successful And Sustainable Careers, Regina Escobedo Guerra
When Fine Art And Commercial Art Merge: A Playbook For Emerging Artists Without Gallery Representation To Create Successful And Sustainable Careers, Regina Escobedo Guerra
MA Theses
Pursuing a career as an artist comes with no clear path nor directions. The first years after graduating are filled with confusion and uncertainty. Emerging artists are oftentimes unequipped with the necessary resources to create sustainable and profitable careers. In a saturated market where only a select few are able to make a living solely from art, artists need to gain autonomy and control over their practices. This thesis provides emerging artists with no gallery representation with the tools to create an independent career that prioritizes artistic authenticity and sustains profit. Through a dismissal of the negative perceptions placed on …
The Language Of Value: Lot Note Complexity And Auction Performance In Abstract Expressionism, Artur Sharifullin
The Language Of Value: Lot Note Complexity And Auction Performance In Abstract Expressionism, Artur Sharifullin
MA Theses
This thesis asks a simple question: does the language in lot notes relate to price and to whether a lot beats or misses its estimate? I study eight Abstract Expressionist artists: Ad Reinhardt, Adolph Gottlieb, Barnett Newman, Franz Kline, Joan Mitchell, Lee Krasner, Robert Motherwell, and Sam Francis because their works are less representational and often need supporting text to explain the context. The main sample includes only lots sold for more than $1 million at Christie’s or Sotheby’s in New York or London over the past ten years. I measure a small set of writing features that are easy …
Corporate Patronage In Art And Education: A Case Study Of Bloomberg's Interventions, Xiaojun Tian
Corporate Patronage In Art And Education: A Case Study Of Bloomberg's Interventions, Xiaojun Tian
MA Theses
This study focuses on the application of corporate sponsorship in the fields of art and education, delving deep into the interventions and cases made by Bloomberg L.P. in these two domains. Corporate sponsorship for the arts acts as a significant display of Cultural Corporate Social Responsibility (CSR), not only fostering diversity in the production of art institutions and artists but also having a profound effect on the educational sector. Utilizing case study methodology, this research deconstructs key projects and activities funded by Bloomberg, encompassing support for exhibitions and public art projects, as well as various initiatives aimed at art education, …
The Flavor Of Marketing: How Food Is Revolutionizing Luxury Brand Communication, Aloisa Ruf
The Flavor Of Marketing: How Food Is Revolutionizing Luxury Brand Communication, Aloisa Ruf
MA Theses
This thesis explores how food operates as a cultural, psychological, and strategic instrument within the global luxury industry. Drawing from art history, marketing theory, and sensory studies, it traces how societies across Europe, the Middle East, China, Japan, Russia, and the United States have long used food to express hierarchy, belonging, and emotion—from the banquets of seventeenth-century Versailles to the branded cafes and collaboration of the 2010s and 2020s. Through a comparative and interpretive methodology, the research connects historical visual traditions with contemporary brand strategies, examining case studies such as Gucci Osteria, Louis Vuitton’s Desert Iftar, Dior Café, Loewe’s “Tomato” …
Can Art Function As A Financial Asset Class? Conditions, Risks, And Emerging Solutions, Aurelia Labbé
Can Art Function As A Financial Asset Class? Conditions, Risks, And Emerging Solutions, Aurelia Labbé
MA Theses
The art market has grown significantly over recent decades, supported by rising global demand, record auction results and increasing interest from collectors pursuing financial returns. This evolution has encouraged the development of investment-oriented practices and strengthened the notion that artworks can function as financial assets. This shift takes place in a market shaped by subjectivity, opacity and limited regulatory oversight, where valuation methods, provenance documentation and professional standards remain highly uneven. These conditions make art investment particularly complex and raise essential questions about the factors that support or weaken the legitimacy of art as an asset class. This thesis examines …
Global Art: An Economic Exploration Of The Factors Driving Sensible Gallery Expansion, James Mclennan
Global Art: An Economic Exploration Of The Factors Driving Sensible Gallery Expansion, James Mclennan
MA Theses
The goal of this thesis is to develop a practical and defensible decision tool to guide art gallery expansion. Focusing on four cities – New York, Hong Kong, London, and Doha – the thesis translates heterogeneous considerations into a matrix that scores each of the cities according to eight factors: Market & Demand; Regulation & Tax; Logistics & Shipping; Labor & Immigration; Legal Entity & Finance; Brand, PR & Audience; Competition & Benchmarking; and Risk. Sub-factors are scored and averaged to provide results on how each city scores against each other. The output is a ranked set of city recommendations …
Aura For Sale?: Art Merchandise And The Totalizing Culture Of Reproduction, Lily Paternoster
Aura For Sale?: Art Merchandise And The Totalizing Culture Of Reproduction, Lily Paternoster
MA Theses
The art historical discipline largely excludes art merchandise from critical analysis, relegating it to being a marketing gimmick or gift shop opportunity. This failure to reconcile with the rapidly expanding enterprise for brand collaborations with fine artists has led to an overwhelming and unregulated commercial licensing industry, similar in mystique and ascend to that of the fine art market. Through the case studies of two post-humous artists and two living- Keith Haring, JeanMichel Basquiat, KAWS (Brian Donnelly), and Maurizio Cattelan- I argue that art merchandise exists on a constantly fluctuating scale between democratizing force and commodity. Despite its status on …
Rm Sotheby’S Construction Of Value In The High-End Car Market, Pablo Mijares Musi
Rm Sotheby’S Construction Of Value In The High-End Car Market, Pablo Mijares Musi
MA Theses
The purpose of my thesis is to tell and enlighten any readers how the most prestigious and iconic auction house in the world, RM Sotheby’s sells more than just cars from the high-end car market and how the auction house adds value to through storytelling and provenance from each vehicle. In today’s luxury market economics, we see somewhat of a radical shift. The high-end car market has moved into a very refined area where these beautiful machines are no longer seen and appraised just for their aesthetic design and mechanical engineering, now we see new value drivers for these works …
Evolving Motives: How Art Collecting Has Changed Across Generations, Giovanni Mazzoleni
Evolving Motives: How Art Collecting Has Changed Across Generations, Giovanni Mazzoleni
MA Theses
This thesis elucidates the changing reasons for collection in recent years and focuses on three generations of collectors: those born before 1950; those born between 1951-1980; and those born after 1981. It commences with a literature review of the initial collecting motivations and challenges, motives based on socio-cultural, economic and technological advancements which foster the importance and reasons for collections. To make this investigation tangible, a quantitative survey was adopted. Forty-five participants, each ranking their levels of agreement from one to five based on an assessment of eight statements based on five motives: economic, normative, uniqueness, hedonic and intellectual. Descriptive …
Does Blue-Chip Art Genuinely Provide Diversification And Risk Mitigation Once Illiquidity, Transaction Frictions, And Survivorship Bias Are Explicitly Incorporated Into Performance Analysis, Or Is The “Safe Haven” Label Fundamentally Misleading?, Radhika Vissanji
MA Theses
Blue-chip art is widely presented as a safe haven and portfolio diversifier, particularly during periods of financial market uncertainty. This perception is reinforced by art price indices and industry reports that emphasise long-term appreciation, relatively low volatility, and weak correlation with traditional financial assets. Despite the growing prominence of these claims in advisory and institutional discourse, there remains limited agreement on whether such properties persist once the structural characteristics of the art market are fully taken into account. This thesis evaluates whether blue-chip art genuinely delivers diversification and risk-mitigation benefits under realistic market conditions. Focusing on three structural factors, illiquidity, …
Over-Tourism Of Naoshima Island: Comparison With Venice Using Tourists Carrying Capacity Model, Takutaro Onoe
Over-Tourism Of Naoshima Island: Comparison With Venice Using Tourists Carrying Capacity Model, Takutaro Onoe
MA Theses
This paper first proves Naoshima’s status as over-tourism in comparison with Venice and then finds out about logistical and infrastructural constraints. My argument will go further to discuss whether eliminating constraints through investment and development is the right direction for the island’s sustainable prosperity. Naoshima is in critical overtourism situation, especially during the year of Setouchi Triennale. The number of tourists per resident demonstrates that the situation is worse than in Venice. It may deteriorate living environment for residents, potentially causing anti-tourism sentiment on the island. As for tourists, their experience on the island may not be favored because of …
Gambling Away Stability: Sports Betting’S Impact On Vulnerable H, Scott R. Baker, Justin Balthrop, Mark J. Johnson, Jason Kotter, Kevin Pisciotta
Gambling Away Stability: Sports Betting’S Impact On Vulnerable H, Scott R. Baker, Justin Balthrop, Mark J. Johnson, Jason Kotter, Kevin Pisciotta
Faculty Publications
We estimate the causal effect of online sports betting on households’ investment, spending, and debt management decisions using household transaction data and a staggered difference-in-differences framework. Following legalization, sports betting spreads quickly, with both the number of participants and frequency of bets increasing over time. This increase does not displace other gambling or consumption but significantly reduces savings, as risky bets crowd out positive expected value investments. These effects concentrate among frequent bettors and low-savings households. Our findings highlight the potential adverse effects of online sports betting on vulnerable households.
One Size Doesn’T Fit All: Navigating Gendered Ageism In Older Women’S Entry Into Entrepreneurship, Yanying Chen, Zijie Song, Chevy-Hanqing Fang
One Size Doesn’T Fit All: Navigating Gendered Ageism In Older Women’S Entry Into Entrepreneurship, Yanying Chen, Zijie Song, Chevy-Hanqing Fang
Business and Information Technology Faculty Research & Creative Works
Though older women may choose entrepreneurship as a way to escape discrimination in the labor market, they may face other forms of discrimination in the entrepreneurial domain. Drawing on intersectionality theory, we posit that older women encounter amplified discrimination due to the stereotype-consistent implications from gender and age norms, namely gendered ageism. Using 815,428 individual observations pooled across country–year surveys from 56 countries between 2009 and 2018, we found that older women were least likely to enter entrepreneurship. And this intersectional disadvantage could be mitigated by weakening the normative exclusion and possessing resource endowments that signal capability. However, strategies focused …
Gubernatorial Re-Election Incentives, Local Investment Bias, And Pension Fund Performance, Hongxian Zhang, Liang Guo, Jun Hao, Yu Liu
Gubernatorial Re-Election Incentives, Local Investment Bias, And Pension Fund Performance, Hongxian Zhang, Liang Guo, Jun Hao, Yu Liu
Business and Information Technology Faculty Research & Creative Works
We investigate the impact of gubernatorial re-election incentive and political factors on US public pension funds from 1990 to 2022. Our empirical analysis finds no significant overall relationship between gubernatorial re-election incentives and local bias in the full sample. However, the effect of gubernatorial re-election incentives on local bias is influenced by a state's level of corruption. Specifically, in states within the lowest corruption quantile, governors eligible for re-election tend to prioritize local investments to gain consistent support. In contrast, in states within the highest corruption quantile, heightened scrutiny may encourage re-election-eligible governors to adopt conservative investment policies that do …
Zdolności Dynamiczne A Transformacja Cyfrowa Firm. Kontekst Małych I Średnich Przedsiębiorstw Przemysłu Spożywczego W Polsce, Magdalena Marczewska
Zdolności Dynamiczne A Transformacja Cyfrowa Firm. Kontekst Małych I Średnich Przedsiębiorstw Przemysłu Spożywczego W Polsce, Magdalena Marczewska
Monografie/Monographs
Oparta na badaniach monografia obrazuje charakterystykę dynamicznych zdolności wykorzystywanych przez firmy w procesie transformacji cyfrowej oraz przybliża w jakim zakresie dynamiczne zdolności są warunkiem koniecznym transformacji cyfrowej przedsiębiorstw. Autorka prezentuje w książce nowatorską reinterpretację koncepcji dynamicznych zdolności, a także identyfikację kluczowych barier, których przezwyciężenie jest niezbędne dla transformacji cyfrowej oraz udostępnia Czytelnikowi praktyczny model wspierający jej planowanie i wdrażanie.
Dynamic Capabilities and Digital Transformation of Firms: The Context of Small and Medium-Sized Enterprises in the Polish Food Industry
Based on empirical research, this monograph illustrates the characteristics of dynamic capabilities utilized by companies in the digital transformation process and examines …
When Price Varies Across Otas: How Room Rate Disparity Shapes Switching Behavior And Brand Trust, Ling Ling, Chich-Chien Chen, Zvi Schwartz
When Price Varies Across Otas: How Room Rate Disparity Shapes Switching Behavior And Brand Trust, Ling Ling, Chich-Chien Chen, Zvi Schwartz
Human Movement Studies & Special Education Faculty Publications
This study investigates how room rate disparity across Online Travel Agencies (OTAs) influences consumers’ switching behavior and perceptions of hotel brand integrity. Employing a scenario-based experimental design with a sample of 430 Chinese consumers, we explored price differences interact with loyalty status, price trajectory information, and brand consistency. Our findings reveal a complex non-linear inverse sigmoid relationship between rate disparity and channel switching. Contrary to expectations, loyalty membership did not reduce switching intent or increase discount thresholds. Moreover, rate disparity triggered brand integrity concerns, with brand doubt consistently exceeding switching intent. While price trajectory information did not change switching likelihood, …
90-Day Consulting Engagement Grounded In Authentic And Servant Leadership Approaches–Building Capacity For Small Business, Michon Hicks
90-Day Consulting Engagement Grounded In Authentic And Servant Leadership Approaches–Building Capacity For Small Business, Michon Hicks
Doctor of Strategic Leadership (DSL) Capstone Abstracts
This doctoral capstone project examined a 90-day consulting engagement designed to strengthen organizational capacity in a small, M/WBE-certified professional services firm operating in a government contracting environment. Grounded in authentic and servant leadership frameworks, the engagement used a structured 30-60-90-day intervention model to assess leadership alignment, administrative infrastructure, human resources capacity, data management practices, and marketing readiness. The project employed an organizational health check-up approach to diagnose systemic gaps, co-create solutions with organizational leadership, and implement practical tools to improve operational consistency, compliance readiness, and leadership effectiveness. Outcomes of the engagement included improved leadership alignment, standardized administrative and operational workflows, …
Wings Of Perception: Investigating Customer Sentiments In Indian Aviation Sector, Yashodhan Karulkar, Kaiwan Vaghchhipawala, Aditya Trivedi, Anushree Talekar
Wings Of Perception: Investigating Customer Sentiments In Indian Aviation Sector, Yashodhan Karulkar, Kaiwan Vaghchhipawala, Aditya Trivedi, Anushree Talekar
Journal of International Technology and Information Management
India's aviation sector, a key contributor to the nation's economy, has experienced rapid growth, supporting nearly 7.5 million jobs and contributing approximately $30 billion annually to the GDP (Gross Domestic Product). The growth, driven by increased demand for air travel and government incentives, has resulted in more competition among carriers. In the competitive market, it is necessary to understand customer preferences to enhance the quality of service and maintain a competitive edge. The dissemination of customer opinions on social media and review platforms offers airlines the opportunity to access passenger views. However, extracting useful information from this unstructured data is …
E-Payment Systems Use: The Role Of Cybersecurity Risk And The Moderating Effect Of Risk Propensity And Technology Readiness, Abdou Illia, Hyunsun Kim-Hahm, Thomas Ngniatedema, Mahaman Sani Yakoubou
E-Payment Systems Use: The Role Of Cybersecurity Risk And The Moderating Effect Of Risk Propensity And Technology Readiness, Abdou Illia, Hyunsun Kim-Hahm, Thomas Ngniatedema, Mahaman Sani Yakoubou
Journal of International Technology and Information Management
Advances in digitalization have accelerated consumer migrations away from traditional cash- and check-based payment systems towards electronic payment systems worldwide. Yet, many people still remain resistant. This study examined the role of motivational and inhibiting factors and their interaction effects on the use of e-payment systems. The findings suggest that perceived cybersecurity risk, risk propensity, trust in the companies offering the e-payment services, and technology readiness have a significant direct impact on the use of e-payment systems. The findings also suggest that risk propensity and technology readiness have a tempering effect on the negative impact of perceived risk. The study …
Business Process Redesign For Reducing Undelivered Product Return Losses In E-Commerce – An Explainable Ai Approach, Venkataraghavan Krishnaswamy, Deepa R, Himanshu Sharma
Business Process Redesign For Reducing Undelivered Product Return Losses In E-Commerce – An Explainable Ai Approach, Venkataraghavan Krishnaswamy, Deepa R, Himanshu Sharma
Journal of International Technology and Information Management
Product returns in e-commerce affect the profitability of the e-tailer. We adopt a two-stage approach to reduce undelivered product returns in an e-commerce firm. First, we develop and compare machine learning techniques—logistic regression, decision trees, Naïve Bayes, random forest, adaptive boosting, gradient boosting, stochastic gradient boosting, and deep neural networks—on their ability to predict undelivered returns. Next, we use explainable methods, such as relative importance and Shapley values, to develop insights from the best-performing machine learning model. Finally, we use these insights and the predictive model to redesign the firm’s order fulfillment and return processes. A Post-implementation evaluation of the …
The Relationship Between Enablement Sentiment And Kpi Achievement, Stefanie Boyer, David E. Fleming, Michael Rodriguez, Tom Tonkin
The Relationship Between Enablement Sentiment And Kpi Achievement, Stefanie Boyer, David E. Fleming, Michael Rodriguez, Tom Tonkin
Marketing Department Faculty Journal Articles
Sales enablement (defined as the "activities, systems, processes and information that support and promote knowledge-based sales interactions with client and prospects” (Gartner, n.d.)) has evolved from a tactical resource to a strategic organizational function, crucial for aligning sales and marketing. Despite its importance, there is a lack of research on how 'sentiment' (perceptions toward enablement) influnces key performance indicators (KPI). This exploratory survey of sales and enablement professionals investigates sentiment across individual, team, and company levels, and its relationship with KPI achievement. Results reveal positive relationships between sentiment and performance outcomes at all levels with organizational sentiment being the strongest …
Wilson, Issue 02, 2025-26, University Of Northern Iowa. Wilson College Of Business.
Wilson, Issue 02, 2025-26, University Of Northern Iowa. Wilson College Of Business.
Wilson
Contents:
From the Dean --- 3
Auditing Students Learn Emerging Technologies and Real-World Analysis --- 4
How Real Estate Students are Learning Industry Software in the Classroom --- 8
Marketing in the Age of Data --- 14
Building Communities, Shaping Futures --- 18
Data Drives Business Success for UNI Student Entrepreneurs --- 22
Data to Assist in Iowa Stomr Response --- 23
Ethical Considerations of Data Breaches --- 24
How Ethics and Data Management Intersect In Today's Business Climate --- 26
Students Dominate Advertising Competition --- 28
AACSB Supplemental Accounting Accreditation --- 30
A New Era for Business: UNI's Wilson …
Construction Industry Preparedness For Generation Z And Millennials: Aligning Industry Characteristics With Workforce Job Preferences, Ameenullah Amiri, Dhaval R. Gajjar, Jason D. Lucas
Construction Industry Preparedness For Generation Z And Millennials: Aligning Industry Characteristics With Workforce Job Preferences, Ameenullah Amiri, Dhaval R. Gajjar, Jason D. Lucas
The Professional Constructor
The construction industry in the United States suffers from workforce shortages, partly due to younger generations being hired more slowly than baby boomers retire. Generation Z’s (Gen Z) lack of interest in joining the construction industry, coupled with the retirement of older workers, has amplified the problem. This paper investigates existing literature to identify the work and career preferences of Gen Z and Millennials and determine where the industry may focus efforts to attract these two generations. Through a systematic literature review, this study identified overlaps and gaps between the current construction industry workforce’s perceptions of the industry and the …
Ceo Compensation Changes Following Acquisitions, Leonce Bargeron, David J. Denis
Ceo Compensation Changes Following Acquisitions, Leonce Bargeron, David J. Denis
Finance and Quantitative Methods Faculty Publications
We find that CEO compensation increases following acquisitions only in those deals in which acquirer stock is used as the method of payment. These compensation increases are driven by increases in equity-based compensation and are concentrated in riskier acquirers, in riskier acquisitions, and in acquirers whose CEOs have low exposure to the stock price. We find little support for traditional agency cost explanations of changes in CEO pay following acquisitions. However, our findings are broadly consistent with compensation changes representing a contracting solution to a two-sided adverse selection problem that is present only in stock acquisitions.
We Can Be Heroes: Sustaining Vitally Engaged Social Heroes In A Heroic Organization (Act Up/New York), Michael Condren
We Can Be Heroes: Sustaining Vitally Engaged Social Heroes In A Heroic Organization (Act Up/New York), Michael Condren
CGU Theses & Dissertations
Contextual factors are particularly important in understanding social heroism, which is characterized by heroic action in the service of existing and emerging community values, principles and ideals (Franco et al., 2011). Social heroism almost always entails serious risks for the hero and frequently requires committed action over long time periods to achieve positive social change. Unlike other types of heroism, social heroism frequently emerges from and is enacted through organizations. However, heroism research has focused largely on individual factors involved in different types of heroic actions, such as character, moral development and courage. The goal of this study was to …
Work Disengagement: Motivational Regulation Shaped By Psychological Need Frustration And Perceived Injustice, Stephanie R. Dailey
Work Disengagement: Motivational Regulation Shaped By Psychological Need Frustration And Perceived Injustice, Stephanie R. Dailey
CGU Theses & Dissertations
Employee disengagement represents a persistent global challenge, yet remains theoretically underdeveloped and is frequently conflated with burnout, behavioral withdrawal, or deviance. Building on Kahn’s (1990) original conceptualization, this dissertation reconceptualizes disengagement as a distinct motivational state characterized by the withdrawal of cognitive, emotional, and physical energies from role performance. Drawing on Self Determination Theory (Ryan & Deci, 2000), Conservation of Resources theory (Hobfoll, 1989), and the Job Demands–Resources model (Bakker & Demerouti, 2007), I test a model where disengagement emerges as a motivational response to psychological need frustration, where organizational justice functions as an upstream contextual antecedent. Two complementary studies …
Moderating Role Of Perceived Staff-Replacement Likelihood On Self-Ordering Kiosk Adoption: Evidence From The Restaurant Industry, Wanmo Koo, Archana Kumar
Moderating Role Of Perceived Staff-Replacement Likelihood On Self-Ordering Kiosk Adoption: Evidence From The Restaurant Industry, Wanmo Koo, Archana Kumar
Department of Marketing Faculty Scholarship and Creative Works
The restaurant industry widely employs self-ordering kiosks (SOKs). However, the increased use of automation in restaurants is causing job displacement, raising concerns about the lack of sufficient human support in restaurants. The study examined variables influencing customer willingness to use SOKs while considering how staff replacement perceptions alter these effects. Partial least squares structural equation modeling reveals that performance expectancy, effort expectancy, social influence, and perceived security significantly influence behavioral intention to use SOKs, and behavioral intention strongly predicts actual kiosk usage behavior. Among the moderating effects, only perceived staff replacement likelihood significantly influences the relationship between perceived security and …
The Emergence Of Buy Now Pay Later Platforms: A Business Analysis Study, Asher Frye
The Emergence Of Buy Now Pay Later Platforms: A Business Analysis Study, Asher Frye
CMC Senior Theses
This thesis dives into the growth of Buy Now, Pay Later (BNPL) financing and its implications for consumer financial health. Using Affirm’s 2019-2024 data and recent reporting from regulators, it documents strong BNPL expansion alongside emerging concerns about repayment risk and credit score impacts. These insights motivate me to conduct an experiment testing whether clearer disclosure affects consumer BNPL choices. While the experiment shows no statistically significant effects, it underscores the need for further study of BNPL understanding and consumer behavior.