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Articles 31 - 60 of 15923
Full-Text Articles in Entire DC Network
The Stickiness Of Meritocratic Beliefs From Adolescence To Adulthood In Singapore, Yen Kiat Chong, Shin Bin Tan, Vincent Chua, Han Ei Chew
The Stickiness Of Meritocratic Beliefs From Adolescence To Adulthood In Singapore, Yen Kiat Chong, Shin Bin Tan, Vincent Chua, Han Ei Chew
Research Collection Office of Impact
The belief in meritocracy has been rising over the past few decades in developed countries. While many studies have focused on the belief in meritocracy, its distribution across groups and its effects, much less is known about how beliefs may change as individuals age and undergo major life transitions. Using linear growth models on three waves of panel data from a national youth survey in Singapore, we found that the major life transitions to adulthood – progressing through the education system (e.g., completing tertiary education), transiting from full-time studies to full-time work, getting married and becoming a parent – predicted …
From Trees To Treewidth: Inventory Management In Complex Supply Chain Networks, Philippe Blaettchen, Andre Calmon, Georgina Hall, Mohit Tawarmalani
From Trees To Treewidth: Inventory Management In Complex Supply Chain Networks, Philippe Blaettchen, Andre Calmon, Georgina Hall, Mohit Tawarmalani
Research Collection Lee Kong Chian School Of Business
We propose an exact linear programming (LP)-based solution approach to the Guaranteed Service Model (GSM), one of the most widely applied models for optimizing safety stock placement in supply chain networks. Our approach handles any directed acyclic network and any cost function that depends on a stage’s incoming and outgoing service times. It scales polynomially in the number of nodes n in the network, pseudo-polynomially with respect to the bit size of the maximum replenishment time M, and (for fixed M) exponentially in its treewidth, which quantifies how “tree-like” a network is and can be much smaller …
Prune: A Patching Based Repair Framework For Certifiable And Privacy-Robust Unlearning Of Neural Networks, Xuran Li, Jingyi Wang, Xiaohan Yuan, Peixin Zhang
Prune: A Patching Based Repair Framework For Certifiable And Privacy-Robust Unlearning Of Neural Networks, Xuran Li, Jingyi Wang, Xiaohan Yuan, Peixin Zhang
Research Collection School Of Computing and Information Systems
Machine unlearning has emerged as a key mechanism for enabling the “right to be forgotten” in neural network models, allowing the selective removal of specific training data upon request. Existing approaches typically rely on retraining models with the remaining data, which is computationally expensive and difficult to verify, especially when deployed models are distributed or resource-constrained. To address this challenge, our prior conference work introduced PRUNE, a patching-based framework that formulates unlearning as a neural network repair problem. PRUNE achieves targeted forgetting by learning lightweight patch networks that redirect model predictions on the data to be unlearned while preserving performance …
Neural Symphony Of Flow Experience: Evidence For High-Dimensional Metastable Dynamics, Abdelrahman B. M. Eldaly, Kris Zhangguang Kang, Fiona Fui-Hoon Nah, Leanne Lai-Hang Chan, Keng Siau, Xiao Fan Liu, Richard Huskey, Langtao Chen, Tejaswini Yelamanchili, Rene Weber
Neural Symphony Of Flow Experience: Evidence For High-Dimensional Metastable Dynamics, Abdelrahman B. M. Eldaly, Kris Zhangguang Kang, Fiona Fui-Hoon Nah, Leanne Lai-Hang Chan, Keng Siau, Xiao Fan Liu, Richard Huskey, Langtao Chen, Tejaswini Yelamanchili, Rene Weber
Research Collection School Of Computing and Information Systems
Flow, an optimal experience characterized by deep immersion and engagement in an activity, has been extensively studied in behavioral research. However, its neural dynamic mechanism remains poorly understood. In a within-subject video gaming experiment, we captured neural activity underlying flow, boredom, and anxiety using a 64-channel electroencephalogram (EEG) system. Compared to boredom and anxiety, flow exhibits the highest global functional connectivity, metastability, and dimensionality of dynamic functional connectivity patterns, suggesting that flow is a highly adaptable process that is supported by high-dimensional neural dynamics. Unlike previous studies that focused on identifying static or localized brain activity, we examine the neural …
Defending The Quasi-Employee Doctrine In Singapore In The Aftermath Of Bird V Dp, Yu Han Lam, Suan Yeong Amelita Sim
Defending The Quasi-Employee Doctrine In Singapore In The Aftermath Of Bird V Dp, Yu Han Lam, Suan Yeong Amelita Sim
Research Collection Yong Pung How School Of Law
The rule that an organisation may be held vicariously liable for a tort committed by a tortfeasor who is not its traditional employee, but whose relationship is nonetheless "akin to employment" (commonly known as the "quasi-employee doctrine"), has been accepted only in obiter dicta in Singapore. In Bird v DP, the High Court of Australia rejected the quasi-employee doctrine. Bird may therefore provide impetus for the Singapore courts to do the same. This article argues, however, that the quasi-employee doctrine should be retained for four reasons. First, it enables unincorporated associations to be appropriately held vicariously liable. Second, the Singaporecourts …
Generalized Logit Adjustment: Improved Fine-Tuning By Mitigating Label Bias In Zero-Shot Vision Models, Beier Zhu, Qianru Sun, Xun Yang, Hanwang Zhang
Generalized Logit Adjustment: Improved Fine-Tuning By Mitigating Label Bias In Zero-Shot Vision Models, Beier Zhu, Qianru Sun, Xun Yang, Hanwang Zhang
Research Collection School Of Computing and Information Systems
Foundation models like CLIP allow zero-shot transfer on various tasks without additional training data. Yet, the zero-shot performance is less competitive than a fully supervised one. Thus, fine-tuning and ensembling are also commonly adopted to better fit the downstream tasks. However, we argue that such prior work has overlooked the inherent biases in foundation models. Due to the highly imbalanced Web-scale training set, foundation models are inevitably skewed toward frequent semantics, and thus the subsequent fine-tuning or ensembling is still biased. In this study, we systematically examine the biases in foundation models and demonstrate the efficacy of our proposed Generalized …
How Followers Respond To Leader Differentiation: The Importance Of Considering All Leader Differentiation Properties, Yuchuan Liu, Gary John Greguras
How Followers Respond To Leader Differentiation: The Importance Of Considering All Leader Differentiation Properties, Yuchuan Liu, Gary John Greguras
Research Collection Lee Kong Chian School Of Business
A central tenet of many leadership theories is that leaders treat their followers differently. Although leader differentiation is ubiquitous, its effects on leaders and followers are not well understood and theory and research have not simultaneously considered its three key properties: Leader–member exchange (LMX) differentiation, LMX quality, and LMX social comparison. We developed a theoretical model in which these three properties interact to influence followers’ supervisory interactional justice perceptions and subsequently their supervisor-directed deviance and supervisor-directed organizational citizenship behaviors (OCBs). To test our model, we conducted a pre-registered experiment (Study 1), a single-level, multi-wave study (Study 2), and a multilevel, …
Llm-As-A-Judge For Software Engineering: Literature Review, Vision, And The Road Ahead, Junda He, Jieke Shi, Terry Yue Zhuo, Christoph Treude, Jiamou Sun, Zhenchang Xing, Xiaoning Du, David Lo
Llm-As-A-Judge For Software Engineering: Literature Review, Vision, And The Road Ahead, Junda He, Jieke Shi, Terry Yue Zhuo, Christoph Treude, Jiamou Sun, Zhenchang Xing, Xiaoning Du, David Lo
Research Collection School Of Computing and Information Systems
The rapid integration of Large Language Models (LLMs) into software engineering (SE) has revolutionized tasks from code generation to program repair, producing a massive volume of software artifacts. This surge in automated creation has exposed a critical bottleneck: the lack of scalable and reliable methods to evaluate the quality of these outputs. Human evaluation, while effective, is very costly and time-consuming. Traditional automated metrics like BLEU rely on high-quality references and struggle to capture nuanced aspects of software quality, such as readability and usefulness. In response, the LLM-as-a-Judge paradigm, which employs LLMs for automated evaluation, has emerged. This approach leverages …
Efficient Test-Time Retrieval Augmented Generation, Hailong Yin, Bin Zhu, Jingjing Chen, Chong-Wah Ngo
Efficient Test-Time Retrieval Augmented Generation, Hailong Yin, Bin Zhu, Jingjing Chen, Chong-Wah Ngo
Research Collection School Of Computing and Information Systems
Although Large Language Models (LLMs) demonstrate significant capabilities, their reliance on parametric knowledge often leads to inaccuracies. Retrieval Augmented Generation (RAG) mitigates this by incorporating external knowledge, but these methods may introduce irrelevant retrieved documents, leading to inaccurate responses. While the integration methods filter out incorrect answers from multiple responses, but lack external knowledge like RAG methods, and their high costs require balancing overhead with performance gains. To address these issues, we propose an Efficient Test-Time Retrieval-Augmented Generation Framework named ET2RAG to improve the performance of LLMs while maintaining efficiency. Specifically, ET2RAG is a training-free method, that first retrieves the …
Continuous Query For Top-K Maximal Sum Intervals Over Streaming Data, Zhongshuai Zhang, Xiaochun Yang, Baihua Zheng, Rui Zhu, Haomin Li, Bin Wang
Continuous Query For Top-K Maximal Sum Intervals Over Streaming Data, Zhongshuai Zhang, Xiaochun Yang, Baihua Zheng, Rui Zhu, Haomin Li, Bin Wang
Research Collection School Of Computing and Information Systems
The continuous identification of top-k maximal sum intervals using a sliding window over a data stream is a critical operation for applications in IoT and beyond. A maximal sum interval is a non-overlapping, contiguous subsequence with the maximal sum in a sequence of signed values. Existing algorithms are ill-suited for streaming contexts: they either exhaustively enumerate all intervals even for small k values, or depend on indexes that require frequent and costly restructuring. We propose a novel partition-based strategy. Our core insight is a partitioning scheme that guarantees that any maximal sum interval is fully contained within a single partition, …
Success Of New Ideas In Online Platforms: An Idea Network Perspective, Yimei Zhou, Qian Tang, Vincent Z.W. Mack Mack, Shao Yi Liaw
Success Of New Ideas In Online Platforms: An Idea Network Perspective, Yimei Zhou, Qian Tang, Vincent Z.W. Mack Mack, Shao Yi Liaw
Research Collection School Of Computing and Information Systems
On online platforms, new ideas often emerge by recombining existing ones within idea networks. Unlike traditional knowledge networks, idea networks represent curated, meaning-based associations among ideas, offering a distinct lens on recombination. Drawing upon a hypergraph perspective, we investigate how new idea success depends on their structural and content attributes, and how collaborative participation shapes these attributes. Using data from an ideation platform, we find that both structural embeddedness and bridging benefit new idea success. Content diversity has no direct effect, but it amplifies the benefits of bridging while constraining those of embeddedness. Both crowd contributions and ideator expertise strengthen …
Parameterized Approximation Schemes For Fair Clustering In Doubling Metrics, Xiaoliang Wu, Ting Liang, Zhize Li, Qilong Feng
Parameterized Approximation Schemes For Fair Clustering In Doubling Metrics, Xiaoliang Wu, Ting Liang, Zhize Li, Qilong Feng
Research Collection School Of Computing and Information Systems
Fair clustering has garnered considerable attention, with various fairness notions proposed to ensure equitable representation across demographic groups. In this paper, we focus on the k-center problem in bounded doubling metrics under two popular fairness requirements: group fairness and data summarization fairness, referred to Group Fair k-Center (Gf-k-Cen) and Data Summarization Fair k-Center (Dsf-k-Cen), respectively. Both fairness notions extend classical clustering formulation by associating each data point with a demographic label. Motivated by recent advances in parameterized approximation results for fair clustering, we investigate whether these problems admit Fixed-Parameter Tractable (FPT) approximation schemes in bounded doubling metrics. The previous algorithms …
Leading The Change: Staff-Driven Ai Transformation In Smu Libraries’ Collection Team, Siew Khim Lim, Fion Goh
Leading The Change: Staff-Driven Ai Transformation In Smu Libraries’ Collection Team, Siew Khim Lim, Fion Goh
Research Collection Library
No abstract provided.
Global Prevalence Of Depression Among University Students: A Comprehensive Umbrella Review, Gilda Yun Kai Sam, Xun Ci Soh, Harshitha Balaji, Gabriel X. D. Tan, Shu Fen Diong, Meilan Hu, Andree Hartanto, Nadyanna M. Majeed
Global Prevalence Of Depression Among University Students: A Comprehensive Umbrella Review, Gilda Yun Kai Sam, Xun Ci Soh, Harshitha Balaji, Gabriel X. D. Tan, Shu Fen Diong, Meilan Hu, Andree Hartanto, Nadyanna M. Majeed
Research Collection School of Social Sciences
Depression has become a major concern for educational institutes due to its increasing incidence and detrimental impacts on students’ well-being. However, its global prevalence in the context of tertiary education remains unclear. This umbrella review summarised existing meta-analyses and systematic reviews to examine the worldwide prevalence of depression among university students. Several sociodemographic and methodological factors, including differences in depression prevalence before, during, and after COVID-19, were examined as moderators. Structured and exhaustive searches were conducted in five bibliographic databases and five journals, alongside two sources of grey literature. A total of 61 meta-analyses and systematic reviews were included in …
Gaming The Marketplace: Consumer Opportunism And Beliefs About Societal Hierarchy, Shilpa Madan, Aparna Labroo, Constantine S. Katsikeas
Gaming The Marketplace: Consumer Opportunism And Beliefs About Societal Hierarchy, Shilpa Madan, Aparna Labroo, Constantine S. Katsikeas
Research Collection Lee Kong Chian School Of Business
Consumers often behave opportunistically, taking more than what fair marketplace exchange warrants (e.g., taking excess samples, returning used items). While each individual transgression may be minor, cumulatively they can undermine firm profitability. Thus, addressing consumer opportunism is an important managerial concern. We identify a novel antecedent of consumer opportunism: consumers’ acceptance of societal hierarchy (i.e., power distance belief [PDB]), including firms’ higher position in it than consumers. Nine studies (plus two supplementary studies) employing archival, correlational, and experimental data provide converging evidence that, in marketplace interactions, this belief evokes a need to feel clever (i.e., to feel smart and knowledgeable …
Towards Confucian Economic Democracy: A Relational Alternative To Possessive Individualism, Sor-Hoon Tan
Towards Confucian Economic Democracy: A Relational Alternative To Possessive Individualism, Sor-Hoon Tan
Research Collection School of Social Sciences
This article offers a Confucian conception of ownership and a different approach to equality based on a concept of relational person that could provide an alternative philosophical framework for economic democracy. The Confucian concept of nonexclusive and nonabsolute co-ownership, conditional on owners fulfilling their social responsibilities and sustained in networks of relationships mitigates the drive to appropriation and resistance to redistribution even without formalizing legal rights of equal ownership. Confucian texts’ condemnation of wide disparities between rich and poor corresponds with distributive ideas that balance equal satisfaction of needs with merit-based incentives for productivity constrained by social harmony. Without advocating …
When The Best-Fit Model Is Not Best: The Glass Slipper Fallacy And Latent Growth Mixture Modelling, Jonathan L. Chia, Markus Wettstein, Andree Hartanto
When The Best-Fit Model Is Not Best: The Glass Slipper Fallacy And Latent Growth Mixture Modelling, Jonathan L. Chia, Markus Wettstein, Andree Hartanto
Research Collection School of Social Sciences
Despite the use of latent growth mixture modelling (LGMM) to study longitudinal changes, existing practices may inadvertently impede this very investigation. Although subgroup trajectories may theoretically differ in their structure (e.g., some subgroups being linear, some curvilinear), the current convention advocates overreliance on the baseline model to derive subsequent profile trajectories, which may obscure these structural differences. In this article, we provide a brief description of extant LGMM practices, after which we explicate the pitfalls of the current approach. Finally, we provide a principled approach for LGMM research moving forward. Specifically, we recommend specifying a set of theoretically plausible models …
Artificial Intelligence (Ai) In Forensic Psychology: An Umbrella Review Of Potentials And Pitfalls, Ysabel Thereze Ang Guevarra, Nur Eva Alisha Binte Mohamed Hisham, Andree Hartanto
Artificial Intelligence (Ai) In Forensic Psychology: An Umbrella Review Of Potentials And Pitfalls, Ysabel Thereze Ang Guevarra, Nur Eva Alisha Binte Mohamed Hisham, Andree Hartanto
Research Collection School of Social Sciences
Artificial intelligence (AI) is becoming increasingly embedded within forensic psychological practice, shaping how criminal risk, legal responsibility and public safety are assessed. AI tools are now used in recidivism prediction, behavioural analysis, deception detection and investigative support, high-stakes domains where errors can have profound consequences. Despite this rapid adoption, the existing literature remains fragmented, with most reviews confined to narrow subdomains and offering limited integrated synthesis of AI′s broader role in forensic psychology. Thus, this umbrella review addresses this gap by synthesising findings from 43 reviews obtained from five major databases, namely EBSCOhost ERIC, EBSCOhost PsycInfo, PubMed, Scopus and Web …
Caring With Ai: The Efficacy Of A Customised Chatgpt-Delivered Self-Compassion Intervention On College Students' Well-Being And Academic Functioning, Tracy Xi Chen, Chi-Ying Cheng, Andree Hartanto
Caring With Ai: The Efficacy Of A Customised Chatgpt-Delivered Self-Compassion Intervention On College Students' Well-Being And Academic Functioning, Tracy Xi Chen, Chi-Ying Cheng, Andree Hartanto
Research Collection School of Social Sciences
College students face various challenges, including academic pressure, social stress, and the transition into adulthood, which can lead to increased anxiety and other mental health issues. By recognizing personal struggles as part of a shared human experience and responding with kindness, self-compassion serves as a powerful strategy for enhancing resilience, facilitating better well-being and performance outcomes. Although effective, Compassion-Focused Therapy often requires substantial resources and time, limiting its applicability to college students. To overcome these barriers, the current study designed and evaluated Your Self-Compassion Companion, a ChatGPT-powered AI chatbot intervention grounded in self-compassion theory and delivered over three weekly 20-min …
Transnational Social Protections And The Market: Seeking Support From The Global Cruise Industry, Yasmin Y. Ortiga
Transnational Social Protections And The Market: Seeking Support From The Global Cruise Industry, Yasmin Y. Ortiga
Research Collection School of Social Sciences
Migration studies have mostly portrayed employers as paternalistic or exploitative, creating the very conditions that make migrants’ lives insecure and unstable. This paper challenges this view by showing how the market can also be an unlikely source of protections, where extractive work conditions co-exist with a certain degree of social support. Drawing on interviews with 45 Filipino cruise workers during the COVID-19 pandemic, I discuss how migrants used a logic of employee rights to claim benefits such as food, housing and insurance. Cruise lines willingly provided such protections, but only while workers maintained active contracts onboard their ships. Rather than …
Gender And Professional Identities In Businesswomen’S Negotiation, Chi-Ying Cheng, Amy J. Lim, Yi Wen Tan, Fiona Lee
Gender And Professional Identities In Businesswomen’S Negotiation, Chi-Ying Cheng, Amy J. Lim, Yi Wen Tan, Fiona Lee
Research Collection School of Social Sciences
Gender roles and expectations for women have been shown to account for why women tend to negotiate ineffectively in business settings. Drawing from the psychological literature on multiple identities, this paper examines how individual differences in perceived compatibility between gender and professional identities–captured by the construct Gender-Professional Identity Integration (G-PII)–shape businesswomen’s negotiation behaviors. Two studies examined how G-PII interacts with identity cues and cue valence to influence negotiation outcomes. We found that those who perceived their gender and professional identities as compatible (high G-PII) exhibited an “assimilation” effect–they negotiate more effectively when their professional identity was primed by professional identity …
The Ambivalent Wisdom Of Moral Disgust, Brandon Yip
The Ambivalent Wisdom Of Moral Disgust, Brandon Yip
Research Collection School of Social Sciences
This paper has two aims. First, to provide a positive account of moral disgust. I suggest that moral disgust is a response to acts that are socially corrosive, namely, acts that undermine the normative structure to which an agent is attuned. I support this analysis with two lines of evidence: (1) moral disgust serves the important function of guarding normative structures from socially corrosive actions and (2) the analysis provides an illuminating explanation of moral disgust in a wide variety of cases. The secondary aim of this paper is to probe the normative implications of my positive account. I suggest …
Dynamics Of High-Growth Young Firms And The Role Of Venture Capitalists, Yoshiki Ando
Dynamics Of High-Growth Young Firms And The Role Of Venture Capitalists, Yoshiki Ando
Research Collection School Of Economics
Motivated by the substantial growth and upfront investments of venture capital (VC)-backed firms observed in administrative US Census data, this study develops a life-cycle firm dynamics model. In the model, startups choose the source of financing from VC, angel investors, or banks, depending on their growth potential, and invest in innovation. The calibrated model explains the life-cycle dynamics of firms with different sources of financing and suggests that venture capitalists' managerial advice accounts for around 22% of the growth in VC-backed firms. A counterfactual economy without VC financing would experience an aggregate consumption loss of around 0.46%.
Semiparametric Cointegrating Rank Selection For Curved Cross-Section Time Series, Peter C. B. Phillips
Semiparametric Cointegrating Rank Selection For Curved Cross-Section Time Series, Peter C. B. Phillips
Research Collection School Of Economics
Cointegrating rank selection is studied in a function space reduced rank regression where the data are time series of cross-section curves. Consistent cointegrating rank estimation is developed using information criteria extended to curve time series environments. The asymptotic theory involves two-parameter Gaussian processes that generalise the standard limit processes involved in cointegrating regressions. Simulations provide evidence of the effectiveness of consistent rank selection by the BIC criterion and the tendency of AIC to overestimate order as in standard lag order selection in autoregression, as well as in reduced rank regression with multiple time series.
Connectivity And Selective Rural Migration, Lin Ma, Yuan Mei, Qunfeng Wu, Mingzhi Xu
Connectivity And Selective Rural Migration, Lin Ma, Yuan Mei, Qunfeng Wu, Mingzhi Xu
Research Collection School Of Economics
How does infrastructure shape rural development? Using household panel data from a nationally representative sample of Chinese villages, matched to high-resolution highway maps, we find that road expansion between 2000 and 2015 operates mainly through reallocation, with less productive farmers scaling down or exiting and more productive farmers remaining and expanding. We quantify the aggregate and distributional consequences in a dynamic spatial equilibrium model with heterogeneous households and endogenous migration. Improved connectivity not only accelerates urbanization but also increases aggregate rural output by 2.2%–5.3% in the long run, even as the rural workforce declines.
Casual Killing In The Home: Ecological Citizenship And The Micro-Geopolitics Of Mosquito Cohabitation, Orlando Woods, Junxi Qian
Casual Killing In The Home: Ecological Citizenship And The Micro-Geopolitics Of Mosquito Cohabitation, Orlando Woods, Junxi Qian
Research Collection College of Integrative Studies
This article explores how the visceral acts of being bitten by and killing mosquitoes can underpin the formation of ecological citizenship. This form of citizenship is premised on human-nature entanglement and raises questions concerning how the rights and responsibilities stemming from such entanglement become distributed across the public and private domains. As a space in which mosquito cohabitation is contested daily, the home is a key site through which ecological citizenship can be forged and theoretical debates concerning urban political ecology can be extended. Human-mosquito entanglements in the home can reveal the limits of public pest management strategies, the partiality …
Misplay Or Malice? Players’ Interpretations Of Poor Gameplay In Competitive Team-Based Multiplayer Online Games, Valerie Yu, Benjamin H. Detenber, Sonny Rosenthal
Misplay Or Malice? Players’ Interpretations Of Poor Gameplay In Competitive Team-Based Multiplayer Online Games, Valerie Yu, Benjamin H. Detenber, Sonny Rosenthal
Research Collection College of Integrative Studies
Research on perceptions of gaming toxicity has focused on its verbal forms, while gameplay-related forms remain relatively understudied. Furthermore, assessments of gameplay actions as toxic may depend on situational considerations. The present study used a controlled experiment to examine player interpretations of gameplay sabotage using pre-recorded gameplay scenarios from the game, League of Legends. We found that the presence of gameplay sabotage elicited stronger negative emotions and triggered greater player-reported intentions to retaliate and correct the offending player than in comparable instances of unintentional poor gameplay. Further exploratory analyses suggested that participants rated poor gameplay as less acceptable in more …
From Open Banking To Banking-As-A-Service: Regulatory Challenges In The Evolution Of Financial Intermediation, Nydia Remolina Leon
From Open Banking To Banking-As-A-Service: Regulatory Challenges In The Evolution Of Financial Intermediation, Nydia Remolina Leon
Research Collection Yong Pung How School Of Law
Over the past decade, financial innovation has moved from open banking, centred on consumer-permissioned data sharing, to banking-as-a-service (BaaS), which modularises core banking functions through application programming interfaces. This shift allows fintechs and non-financial platforms to embed financial products seamlessly, reducing transaction costs and fostering innovation. Yet the 2024 collapse of Synapse in the United States exposed the fragility of this model when intermediaries operate outside robust oversight, leaving consumers without recourse and revealing liability fragmentation and regulatory blind spots. This paper distinguishes BaaS from open banking, open finance, and embedded finance, and maps leading global models – from bank-led …
Promotion Architecture: A Deal Fairness Model Of Restricted Price Promotions, Shangwen Yi, David Hardisty, Dale Griffin, Thomas Allard
Promotion Architecture: A Deal Fairness Model Of Restricted Price Promotions, Shangwen Yi, David Hardisty, Dale Griffin, Thomas Allard
Research Collection Lee Kong Chian School Of Business
This research examines the effectiveness of two common types of restricted price promotions: threshold promotions (conditional on spending more than a threshold amount; e.g., “Get $5 off on orders of $10 or more”) and capped promotions (limited to a maximum dollar value; e.g., “Get 50% off, up to $5 per order”). Results from seven pre-registered studies, including one field study, show that threshold promotions lead to higher purchase intentions and conversion rates (but potentially lower purchase amounts) than comparable capped promotions—even though capped promotions are equivalent in maximal economic savings for the consumer—when the trigger value (the spending amount at …
Bank Competition Amid Digital Disruption: Implications For Financial Inclusion, Erica Xuewei Jiang, Gloria Yang Yu, Jinyuan Zhang
Bank Competition Amid Digital Disruption: Implications For Financial Inclusion, Erica Xuewei Jiang, Gloria Yang Yu, Jinyuan Zhang
Research Collection Lee Kong Chian School Of Business
We examine how digital disruption affects bank competition using the staggered rollout of 3G mobile networks. 3G expansion increased mobile banking adoption among tech-savvy households, reducing branch networks—especially in younger counties. Banks' strategies diverged: Less branch-reliant banks closed branches and competed on price, while more branch-reliant banks maintained branches but raised spreads. A structural model shows that perceived digital service improvements among younger consumers drove these shifts, reducing welfare for older savers. Counterfactuals demonstrate that subsidizing adoption for older savers can cost-effectively reduce these disparities, facilitating a smoother digital transition.