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Full-Text Articles in Business
Addressing The Student Loan Crisis: Nudging Borrowers To Lower Their Repayment Costs, Genevieve O. Dobson
Addressing The Student Loan Crisis: Nudging Borrowers To Lower Their Repayment Costs, Genevieve O. Dobson
USF Tampa Graduate Theses and Dissertations
The Purpose of Research is to determine why student loan borrowers are making poor decisions regarding their repayment plan selection and how we could use the theory of nudge to get them to make better choices. This study evaluates three main biases found in decision making to determine which one is most likely to be utilized in making decisions. It also investigates ways a tool can be created to allow borrowers to make better choices.
I use the Elaborated Action Design Research Methodology to diagnose, design and implement an effective tool. In my study, I create an artifact that allows …
Multi-Step Tokenization Of Automated Clearing House Payment Transactions, Privin Alexander
Multi-Step Tokenization Of Automated Clearing House Payment Transactions, Privin Alexander
USF Tampa Graduate Theses and Dissertations
Since its beginnings in 1974, the Automated Clearing House (ACH) network has grown into one of the largest, safest, and most efficient payment systems in the world. An ACH transaction is an electronic funds transfer between bank accounts using a batch processing system.
Currently, the ACH Network moves almost $43 trillion and 25 billion electronic financial transactions each year. With the increasing movement toward an electronic, interconnected and mobile infrastructure, it is critical that electronic payments work safely and efficiently for all users. ACH transactions carry sensitive data, such as a consumer's name, account number, tax identification number, account holder …