Digital Commons Network^™

Buy Now, Think Later? A Conceptual Take On Malaysian Bnpl Choices, Alin Afina Alias, Fatin Zaida Zaidi, Nur Fatin Shahmina Mohd Fauzey

International Journal of Management, Finance and Accounting

“Buy Now, Pay Later” (BNPL) has reshaped consumer spending behaviors, with Malaysia experiencing a significant surge in adoption and usage. BNPL is widely used by Gen-Z and millennials as a form of payment, leading to increased spending due to this borrowing scheme. It has introduced a shift in consumer spending patterns, often characterized by the ‘Buy Now, Think Later?’ mindset. Due to the rising popularity of BNPL schemes, Bank Negara Malaysia is looking to amend the Consumer Credit Act. As BNPL schemes often synthetically promote positive payment behaviors through readily available installment credit options, many consumers seem to adopt a …

Exploring The Impact Of Leadership On Encouraging Innovative Behaviours: An Employee’S Perspective, Fouzia Khan, Aysa Siddika, Abdullah Sarwar

International Journal of Management, Finance and Accounting

Innovation is crucial in the current business environment amidst uncertainties and heightened competition. The study explored how employees perceive their leaders' behaviour regarding innovations in the service sector. An in-depth interview technique has been employed as part of a qualitative research approach to identifying leaders' behaviours likely to enhance or discourage employees' innovative behaviour. Eight participants with extensive experience in the service sector were selected from various sectors, including consultancy, financial services, and the telecommunications industry in Malaysia. Thematic analysis was used to identify leaders' behaviours that encourage or discourage employees' innovative behaviour at work. The study observed 15 different …

Review Of The Role Of Psychological Curriculum In Vocational And Technical Education In China, Hengjun Wang, Siew Ping Wong

International Journal of Management, Finance and Accounting

The integration of psychological education in China's vocational and technical education (VTE) schools is increasingly recognized for its role in promoting students' personal and professional growth. This review synthesizes recent research to evaluate the integration of psychological education in VTE schools and its benefits, outcomes, and challenges. A psychological curriculum is found to enhance both students' personal and professional development. However, key findings also highlight the inconsistency in the implementation of psychological education among VTE schools and the insufficiency in updating the curriculum to address students' changes due to the transformation in technology and economy. Proposing a mixed-methods approach, the …

How Personality Shapes Workplace Incivility: A Theoretical View, Mazni Alias, Nor Shazleen Eshak, Chew Sze Cheah, Nur Farhana Lyana Ameruddin

International Journal of Management, Finance and Accounting

Workplace incivility, characterised by low-intensity, ambiguous behaviour such as disrespect, rudeness, and discourtesy, disrupts workplace harmony and erodes organisational culture. Although these behaviours may appear minor, their cumulative impact can significantly harm individuals and organisations, manifesting in decreased morale, productivity, and well-being. Personality traits play a crucial role in shaping how employees perceive, experience, and respond to workplace incivility, influencing its outcomes and associated costs. However, existing literature offers limited insights into how these personality differences exacerbate experiences of workplace incivility, leaving a critical gap in understanding this phenomenon. This conceptual paper draws on victim precipitation theory and trait activation …

Factors Influencing Intention To Purchase Electric Motorcycles In Urban India, Chung Hui Ong

International Journal of Management, Finance and Accounting

This study investigates factors influencing urban Indian consumers’ electric motorcycle purchase intentions amid growing sustainable transportation demands. Building on the Technology Acceptance Model (TAM), the research integrates core constructs—Perceived Usefulness, Perceived Ease of Use, and Attitude—with two contextual variables, including Consumer Awareness and Perceived Trust. A quantitative survey was distributed via Google Forms to 153 urban residents across Indian cities, with a GPower analysis confirming adequate statistical power for regression modeling. The findings reveal that Perceived Usefulness, Attitude, and Perceived Trust significantly influence consumers’ purchase intentions, with attitude emerging as the most influential predictor. In contrast, Perceived Ease of Use …

Internet Of Things (Iot) Adoption By Organisation: A Systematic Review, Yusliza Jamalut, Mohd Fairuz Abd Rahim, Jeen Wei Ong

International Journal of Management, Finance and Accounting

Despite the transformative potential of the Internet of Things (IoT) and Industry 4.0, adoption of IoT technologies remains slow and limited in organisations. This study addresses this challenge by conducting a systematic review to identify key factors influencing IoT adoption from the organisation level and social science perspective. Using the PRISMA protocol, a total of 16 empirical articles published between 2016 and 2024 were selected from Scopus and Web of Science databases. A deductive thematic analysis guided by the Technology-Organisation-Environment (TOE) framework revealed that relative advantage, organisational readiness, and competitive pressure were the most frequently cited determinants of adoption. Meanwhile, …

From Anxiety To Action: Understanding Financial Worries And Strategies To Boost Insurance Take-Up, Hui Shan Lee, Kee Seng Kuang

International Journal of Management, Finance and Accounting

In developing countries, inadequate insurance and financial planning have led experts to call for government intervention to avoid potential financial crises. In Malaysia, where increasing insurance uptake is a national priority, this study examines how education and socioeconomic factors influence financial concerns. Using a regression model, this study analyses data from 1,000 survey responses from Malaysia in the Global Findex database, examining the effects of education, income, gender, age, and urbanicity on various financial worries, including retirement, medical expenses, monthly bills, and education costs. Findings show that higher education levels are associated with reduced financial anxiety around medical expenses and …

Identifying Potentially Illicit Money Laundering And Terrorism Financing Transactions Through Machine Learning Techniques, Shiuh Tong Lim, Rou Qing Khoo, Khai Wah Khaw, Xinying Chew

International Journal of Management, Finance and Accounting

Financial institutions worldwide face significant challenges in detecting and preventing illicit financial activities, such as money laundering and terrorism financing. Traditional rule-based methods often generate high false positive rates, increasing manual verification efforts and higher operational costs. This research explores machine learning techniques to enhance the detection of suspicious transactions. Several algorithms, including K-Nearest Neighbors, Decision Tree, Random Forest, Logistic Regression, Support Vector Machine, and Naïve Bayes, are applied and evaluated using a dataset from a financial institution. After a comprehensive performance assessment, the Random Forest model is the most effective, exhibiting the highest accuracy of 0.9333 in identifying suspicious …

Sociohydrodynamics: Data-Driven Modeling Of Social Behavior, Daniel S. Seara, Jonathan Colen, Michel Fruchart, Yael Avni, David G. Martin, Vincenzo Vitelli

Data Science Faculty Publications

Living systems display complex behaviors driven by physical forces as well as decision-making. Hydrodynamic theories hold promise for simplified universal descriptions of socially generated collective behaviors. However, the construction of such theories is often divorced from the data they should describe. Here, we develop and apply a data-driven pipeline that links micromotives to macrobehavior by augmenting hydrodynamics with individual preferences that guide motion. We illustrate this pipeline on a case study of residential dynamics in the United States, for which census and sociological data are available. Guided by Census data, sociological surveys, and neural network analysis, we systematically assess standard …

Volatility Of The Usd/Chf Exchange Rate At The Beginning Of The Covid-19 Pandemic, Anna Gaweł, Janusz Kudła

Journal of Banking and Financial Economics

Purpose

We address the problem of forecasting USD/CHF volatility at the beginning of the COVID-19 crisis. We chose popular currencies (Swiss franc and American dollar) in the period 1.07.2020 to 31.12.2020.

Design/methodology/approach

We employed several volatility models, including APARCH, EGARCH, GJR-GARCH, TGARCH, and GARCH-MIDAS, on high-frequency USD/CHF data. Particular emphasis was placed on asymmetric models to capture volatility asymmetry.

Findings

The highest volatility occurred during the first wave of the COVID-19 pandemic. Volatility forecasts are most accurate with EGARCH and GARCH-MIDAS models that incorporate long-term asymmetry, particularly when predicting volatility over a longer planning horizon. GARCH-MIDAS models with short-term asymmetry …

Employment Status And Evaluation Of Government Performance In Covid-19 Containment : Evidence From China, Jinye Chen

Lingnan Theses (MPhil & PhD)

Evaluation of government performance of citizens is crucial for regime stability as it could help authoritarian regimes to identify and address brewing problems before they fuel public discontent. It can also act as a potential mechanism for improving government performance and public services and establishing a good image of government. Following the outbreak of the Covid-19 pandemic, Chinese government has adopted the zero-COVID policy to keep cases as close to zero as possible until December 2022. China’s job market also faced big pressure from the economic downturn caused by the Covid-19 pandemic. The pandemic is a shock that impact the …

The State Of The Unions 2025: A Profile Of Organized Labor In New York City, New York State, And The United States, Ruth Milkman, Joseph Van Der Naald

Publications and Research

Organized labor has taken center stage in the 2020s, with workers leading successful organizing drives at Amazon, Starbucks, Apple, and across a range of industries from health care to higher education. Public approval of unions has reached its highest level in decades, and a new generation of workers is stepping forward as leaders in the movement. The State of the Unions 2025 provides the most comprehensive profile of organized labor in New York City, New York State, and the United States, highlighting where unions are growing, who is leading the charge, and how labor is shaping the future of work …

Can Correction Messages Reduce The Spread Of Fake News On Social Media? The Impact Of Information Updates On The Effectiveness Of Corrections, Kelvin K. King, Diego Escobari

School of Economics and Finance Faculty Publications

Although government agencies and fact-checking organizations issue correction messages to mitigate misinformation dissemination on social media, their efforts have been largely ineffective. Drawing on Information Manipulation Theory (IMT) and information extracted from over 84 million tweets, we examine the impact of correction messages and explore how different information updates affect their effectiveness. Our empirical approach differentiates between subpopulations of correction messages. The results support the existence of two distinct types: correction messages that significantly mitigate the spread of fake news—a 1 percent increase in “effective” messages decreases the spread of fake news by 0.89 percent; and those that amplify the …

The Effect Of Education Policy On Crime: An Intergenerational Perspective, Ulrika Ahrsjö, Costas Meghir, Mårten Palme, Marieke Schnabel

Cowles Foundation Discussion Papers

We examine the intergenerational effect of education policy on crime. Using administrative data that links outcomes across generations with crime records, we show that the Swedish comprehensive school reform, gradually implemented between 1949 and 1962, reduced conviction rates for both the generation directly affected by the reform and their sons. The reduction in conviction rates occurred in several types of crime. Mediation analysis suggests that key channels include increased parental educational attainment and household income, as well as reduced criminal behavior among fathers.

Essays On The Health And Labor Market Effects Of Menopause And Menopause Hormone Therapy, Lucia Elvira Torres Frasele

Dissertations - ALL

This dissertation explores how menopause and its medical management affect women’s health and labor market outcomes. Despite the centrality of reproductive transitions in the life course of women, economic research has largely ignored menopause, a biologically and socially significant milestone marking the end of fertility. This omission is surprising, given well-established medical evidence that links menopause to increased risks of health conditions that may impair the ability to work. The dissertation addresses this gap through two chapters that examine the causal impact of menopause and Menopause Hormone Therapy (MHT) on health and labor supply using two distinct empirical strategies. The …

Ectopic Adipose Tissue In Subsistence Populations With Minimal Coronary Disease, Large Left Atria, And Very Low Rates Of Atrial Fibrillation, Randall C. Thompson, Benjamin C. Trumble, Daniel K. Cummings, Angela D. Neunuebel, Paul L. Hooper, Samuel Wann, Adel H. Allam, Frances Neunuebel, Benjamin D. Gans, Samantha I. King, Edmond Seabright, Caleb E. Finch, Margaret Gatz, Kenneth Buetow, Michael I. Miyamoto, Guido P. Lombardi, M. Linda Sutherland, James D. Sutherland, Christopher J. Ward, Madeleine J. Lee, Ashna Mahadev, Daniel Eid Rodriguez, David E. Michalik, Chris J. Rowan, Tianyu Cao, Jonathan Stieglitz, Cameron M. Quick, Gregory S. Thomas, Jagat Narula, Damini Dey, Michael Gurven, Hillard Kaplan

ESI Publications

Background

Methods

Decomposing Trends In The Gender Gap For Highly Educated Workers, Joseph G. Altonji, John Eric Humphries, Yagmur Yuksel, Ling Zhong

Cowles Foundation Discussion Papers

This paper examines the gender gap in log earnings among full-time, college-educated workers born between 1931 and 1984. Using data from the National Survey of College Graduates and other sources, we decompose the gender earnings gap across birth cohorts into three components: (i) gender differences in the relative returns to undergraduate and graduate fields, (ii) gender-specific trends in undergraduate field, graduate degree attainment, and graduate field, and (iii) a cohortspecific “residual component” that shifts the gender gap uniformly across all college graduates. We have three main findings. First, when holding the relative returns to fields constant, changes in fields of …

Towards All-Under-Heaven: China’S Geoeconomic Strategy In The Asia-Pacific Region, Alfariza Dika Azzani

Global: Jurnal Politik Internasional

This research aims to understand China’s geoeconomic strategy in reshaping the alternative international order in the Asia-Pacific region. China’s economic rise increased its geopolitical influence and significance as a global great power. The Chinese Communist Party (CCP) government, under Xi Jinping, has adopted classical ideas in its foreign policymaking, including tianxia. Tianxia is a classical concept of a hierarchical Sinocentric international order. An empirical study was conducted on several cases of China’s economic policy and analysed with the congruence method to determine the correlation between the tianxia concept and China’s economic policy. Tianxia served as a paradigm and justification for …

The Impacts Of Urban And Rural Education Inequality On Individual Career Development : The Case Of Guangdong Province, Shuang Chen

Lingnan Theses (Doctoral degree)

The study focused on the disparity in educational opportunities between urban and rural areas. This has been one of the most debated topics in China, especially when related to Guangdong Province. This dissertation explored how disparities in urban-rural educational outcomes influence individual career attainment and income levels and discusses the broader socio-economic implications of such disparities. This study positioned its analysis within the structural-functionalist framework and underlined how inequities in educational resources affect career outcomes. This focuses on a household registration policy called the hukou system, which has played a crucial role in determining education's access to resources and career …

How Public Education Policies Drive Economic Growth In Asean : An Analysis Of Resource Allocation Theory, Human Capital Accumulation, And Structural Transformation Pathways, Jiacheng Li

Lingnan Theses (Doctoral degree)

This study examines how public education policies influence economic growth across ASEAN nations through the theoretical lens of resource allocation theory. While ASEAN has maintained an average GDP growth rate of 5.1% since 2000, significant disparities between high-growth and low-growth economies persist in educational investment and outcomes.

Methodologically, the study conducts empirical studies and integrates panel data (1990–2023) across ten member states that underwent spatial econometrics analysis. It dissects three transmission pathways: (1) human capital accumulation enhancing labor productivity via skill development; (2) educational stratification driving industrial restructuring; and (3) spatial spillovers facilitating cross-border knowledge diffusion. These mechanisms are operationalized …

Formulation And Impact Of Wellness Tourism Policy On Household Income In Rural China, Zhuoer Zhong

Lingnan Theses (Doctoral degree)

Following the policy "Health China 2030" issued by the Chinese central government in 2016, wellness tourism has become one of the key strategic industries in China. Presently, research on wellness tourism policy in China generally focuses on market development. At the same time, there is a lack of relevant research on the extent to which policies on wellness tourism pay attention to rural revitalization and its effect on rural households. This study mainly aims to explore the Chinese government's attention to wellness tourism policy and the influence of wellness tourism policies on rural residents' income.

By using quantitative research methods, …

Factors Influencing The Performance Of Farmer-Producer Organizations (Fpos) And Their Societal Impact In Tamil Nadu, Arjune S

Theses and Dissertations

Farmer Producer Organizations (FPOs) are formed mainly for the farmers to have better institutional access to acquire them. They are also under the inspiration of the director's abstinence and the incentive of getting more money. These are socio-psychological individual differences and thus of importance to markets, the perception of markets, and market relevance of group interaction. Self-esteem, attitude to participation in group activities, and willingness to participate in these types of activities are of some significance for his/her performance because they have an effect on their performance afterward.

Farmer social empowerment increased but not farmer economic empowerment did so much …

Firm Capabilities Versus Regional Factors: A Random Forest Approach For Predicting Toxic Chemical Releases Among Us Industrial Facilities, Mahelet G. Fikru, Jennifer Brodmann

Economics Faculty Research & Creative Works

Predicting toxic releases remains a challenge for environmental protection, as effective regulation and mitigation depend on understanding the key drivers behind firms' pollution behavior. We examine the factors that influence firm environmental pollution by determining whether corporate capabilities or regional factors better predict toxic chemical emissions. We combine toxic releases data across 1976 industrial facilities in the United States with firm-level financial performance indicators and regional socio-demography variables to identify the most significant predictors of environmental outcomes. We use a random forest model due to its ability to capture complex, nonlinear interactions among predictors and provide robust variable importance rankings. …

Rooted In Resilience: Exploring Indigenous Economic Models And Sustainability On The Rocky Boy Indian Reservation., Dominique Nault

Capstone Collection

This study examines how traditional practices and cultural values of the Chippewa Cree shape the economic identity and sustainability of the Rocky Boy Indian Reservation. Using a mixed-methods approach that combined demographic surveys with culturally grounded interviews, the research reveals that economic development in the community is inseparable from traditional knowledge systems, collective well-being, and ecological stewardship. Rather than centering on financial accumulations, wealth is defined by family, community, and cultural continuity, placing traditional knowledge on par with land and monetary resources.

Three central themes emerged from the data: (1) the enduring role of traditional values and cultural knowledge in …

Real Earnings Management Among Industries: Does Market Competition Matter?, Michał Comporek

Journal of Banking and Financial Economics

This paper investigates real earnings management (REM) practices in public non-financial companies listed on the Warsaw Stock Exchange (WSE) from 2014 to 2023, focusing on sectoral differences and the influence of market competition. REM, defined as deviations from normal business operations aimed at manipulating reported earnings, can distort financial information and harm long-term firm value. This study contributes to the existing literature in two key ways. First, it examines variations in abnormal levels of production costs, sales, and discretionary expenditures – REM proxies based on Roychowdhury’s methodology – across sectors classified according to the WSE’s industry framework. This sectoral classification, …

Volume Ii | Issue I | 2025

Dartmouth Undergraduate Journal of Politics, Economics and World Affairs

No abstract provided.

Inflation Targeting And Inertial Rules, Araha Uday

Dartmouth Undergraduate Journal of Politics, Economics and World Affairs

No abstract provided.

Restrictions On Veto Power: Holding The Permanent Five Accountable In The Face Of Intervention And Peacekeeping Operations, Theo Aldrighi

Dartmouth Undergraduate Journal of Politics, Economics and World Affairs

ABSTRACT: This article examines the structural constraints of the United Nations Security Council, with a focus on the veto power of its permanent members and its implications for intervention and peacekeeping. Through a realist lens and grounded in structural analysis, it contends that the recurrent paralysis of the Council in the face of mass atrocities stems from entrenched power asymmetries. The paper advances a bifold proposal: the adoption of the French-Mexican initiative to suspend veto use in cases of mass atrocities, and the entrenchment of the Council’s authority to authorize the use of force under defined conditions. Drawing on case …

Clickbait Economics: When Narratives Outshine Fundamentals, Esther Eisenstat

Dartmouth Undergraduate Journal of Politics, Economics and World Affairs

No abstract provided.

Judicial Lustration In Backsliding Democracies: Causes And Solutions For Publication, Collin Mcdonnell

Dartmouth Undergraduate Journal of Politics, Economics and World Affairs

No abstract provided.