Business Commons^™

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 …

Introducing A Mobile Health Care Platform In An Underserved Rural Population: Reducing Assimilations Gaps On Adoption And Use Via Nudges, Joseph Hodges

USF Tampa Graduate Theses and Dissertations

Rural communities are often overlooked when it comes to offering cutting edge consumer healthcare technologies. Mobile applications usually exclude populations in rural demographics due to the infrastructure requirements and available technology in the region. The population studied is a low income rural health plan in southwest Georgia. They are uniquely considered as they have the highest healthcare costs in the U.S. and are compared to healthcare costs among higher income populations like Vail, Colorado. Innovations, such as mobile healthcare applications, have the capacity to offset some of these costs, but even if adoption occurs, this does not guarantee use will …

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 …