Business Commons^™

2023 Community Bank Case Study Competition, Joseph Kelly

Finance Undergraduate Honors Theses

We studied a community bank in Danville, Arkansas named Chambers Bank. This was part of a 2023 Community Bank Case Study Competition, which illustrated the financial analysis, staffing, and training of the bank. We learned about technology implemented into the bank, and how the bank works with customers locally to ensure the best quality care.

An Analysis Of Bank Willingness To Decrease Deposit Fees, Madison E. Settlage

Finance Undergraduate Honors Theses

Bank deposit fees have been at the forefront of bank criticism for years, as many view them as being too severe and having a disproportionate effect on low-income customers. In recent years, there has been a strong push for declines in these rates. In this paper, I analyze banks willingness to decrease deposit fees using data from bank call reports over the 2017 to 2023 time period. Through statistical analysis, I find that various factors such as 2017 deposit fee level, ROA, total assets, average personal deposits, population, median income, and poverty rates are significant in determining bank fee levels …

Finance And Artificial Intelligence, Luke Schawang

Theses/Capstones/Creative Projects

The integration of artificial intelligence (AI) into finance represents a significant evolution in the industry, one that has been ongoing for years but is now accelerating rapidly. This paper explores the various forms and functions of AI, from reactive machines to the potential for superintelligence, and examines its impact on banking, business finance, and investing.

In banking, AI has bolstered cybersecurity and fraud detection, leveraging machine learning algorithms to continuously improve accuracy and efficiency. Similarly, in business finance, AI tools like chatbots and algorithms streamline processes, enhance productivity, and reduce costs. In investing, AI-driven solutions such as robo advisors offer …

Checking The Box: Does Compliance With Risk Management Regulation Increase Financial Stability?, Samuel W. Adams

Doctoral Dissertations

This dissertation examines how bank risk management impacts financial stability. In the first chapter, my coauthors and I study how bank risk management impacts systemic risk using a global sample of banks from 2002 to 2020. We find that bank risk management has improved since the global financial crisis, driven by the implementation of country-level reforms mandating Chief Risk Officers and board-level risk committees. We find that stronger risk management lowers banks’ contribution to systemic risk. Using the staggered enactment of bank risk management reforms as a quasi-natural experiment, we provide evidence that the relation is causal. Subsample analysis on …

Credit History Controls The Ability Of Small Businesses To Obtain Working Capital: A Case Study, Tiffany Leeona Thompson

Doctoral Dissertations and Projects

The purpose of this research was to understand how a potential failure of business owners exists and how owners use business credit. In addition, this research includes understanding how business owners obtain working capital within small businesses, resulting in the inability of small businesses to gather the necessary funds to cover the operational costs. I used a flexible design using a qualitative method to gather knowledge from current literature regarding how a lack of credit history in small businesses results in the inability of business owners to obtain working capital. I used a flexible design to identify four elements that …