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Articles 1 - 7 of 7
Full-Text Articles in Business
Three Chapters On Investments And Financial Institutions, Cao Fang
Three Chapters On Investments And Financial Institutions, Cao Fang
Graduate Theses and Dissertations
Only the stock selection (“alpha”) decisions of fund managers who trade on firm-specific information should have predictive return content. Faced with the same information, skilled fund managers make similar stock selection decisions. In Chapter one, we introduce a new measure - stock investment quality - which uses fund quality to weight asymmetries in private information reflected in deviations of fund from peer group ownership on stocks in a style segment. We show stocks ranked high on investment quality generate significantly higher excess returns that persist through the ensuing year. The positive investment quality–future return relationship is robust to alternative fund …
The Effects Of Consumer Loan Application Formats And Advertised Terms On Consumer Borrowing Decisions, Alicia M. Johnson
The Effects Of Consumer Loan Application Formats And Advertised Terms On Consumer Borrowing Decisions, Alicia M. Johnson
Graduate Theses and Dissertations
Consumers continue to demonstrate a willingness to accrue more debt. They are also more accepting of increased repayment risk via the acceptance of longer loan terms. Extant research on consumer borrowing consists primarily of experiments designed to assess consumer choices and understand how consumers evaluate loan attributes in relation to one another within consumer borrowing contexts (Kamleitner, Hoelzl, and Kirchler 2012; Ranyard et al., 2006). Thus, prior research examines consumer responses to loan information rather than the generation of loan parameters at the time of financing. With important implications for consumers, marketers of financial products, academic researchers, and federal regulators, …
Reconciling Conflicting Institutional Logics: Community Reinvestment Officers At The Intersection Of Public Policy And Market Forces, Meredith Mckee Adkins
Reconciling Conflicting Institutional Logics: Community Reinvestment Officers At The Intersection Of Public Policy And Market Forces, Meredith Mckee Adkins
Graduate Theses and Dissertations
Although the public policy literature has traditionally focused on public sector agencies’ roles in the policy implementation process, private sector managers who oversee regulatory mandates for their organizations are also policy actors. These actors operate between multiple conflicting field-level institutional logics that create demands that they must reconcile through their work. In the banking sector, the Community Reinvestment Act (CRA), enacted in 1977, and its associated policies are monitored by the banking regulatory agencies and implemented by the senior managers responsible for these mandates at regulated financial institutions. Simultaneously with their responsibility for the policy mission of the CRA, CRA …
Two Studies Exploring The Effects Of Ageing Cohorts And Channel Usage On The Antecedents And Consequence Of Customer Satisfaction, Yongchang Chen
Two Studies Exploring The Effects Of Ageing Cohorts And Channel Usage On The Antecedents And Consequence Of Customer Satisfaction, Yongchang Chen
Dissertations and Theses Collection (Open Access)
A rapidly ageing customer base, and an acceleration in the adoption of self-service technologies (SST) are two major trends which are set to have an increasing impact on how companies manage and satisfy customers. While there has been a rich body of work studying the effects of ageing and SST usage on customers, research on how they might affect cumulative satisfaction appears to be limited. The ageing literature tends to focus on cognition and decision-making processes, while SST research tends to be narrowly focused on SST evaluation and adoption. Our understanding on how ageing affects how satisfied customers are with …
Altering Overdraft Fee Policies To Promote Consumer Financial Health, Nadia Barbarawi
Altering Overdraft Fee Policies To Promote Consumer Financial Health, Nadia Barbarawi
Finance Undergraduate Honors Theses
The objective of this study is to describe the traditional overdraft practices, explain the reaction of the banking industry from the pressure coming from consumers, regulators, and innovative companies to reduce or eliminate overdraft fees to promote consumer financial health.
Three Essays On Banking And Other Financial Institutions, Xiaonan Ma
Three Essays On Banking And Other Financial Institutions, Xiaonan Ma
Theses and Dissertations
This paper shows that access to payday lending affects societal health outcomes such as opioid-related mortality. I find that states allowing payday lending experience 1.5 lives lost per 100,000 population every year, which amounts to one-third of its mean value. I interpret this result in line with the increased consumption of opioid pills after accessing to payday lending. Accordingly, the effects are more pronounced in areas with low socioeconomic status. Confounding events, time trends, or systematic differences between states allowing and prohibiting payday lending are unlikely to explain the association between payday lending access and opioid mortality. Overall, my findings …
Strategies To Retain Bank Tellers In The Banking Industry, Travis Deandre Houser
Strategies To Retain Bank Tellers In The Banking Industry, Travis Deandre Houser
Walden Dissertations and Doctoral Studies
Bank and credit union managers face challenges in preserving bank productivity and competition. Understanding the factors contributing to teller retention is vital for bank and credit union managers to create and implement employee retention strategies. Effective retention strategies may help retain the best tellers to remain competitive in the banking industry. Grounded in Herzberg’s two-factor theory, the purpose of this qualitative multiple case study was to identify successful strategies bank managers use to improve bank teller retention. The participants were six managers from two banks and one credit union in Montgomery, Alabama, who successfully implemented teller retention strategies. Data were …