Business Commons^™

A Comparison Of M&T Bank And Citizens Bank Net Income Changes During The Coronavirus Pandemic, Alex R. Glasier

Applied Economics Theses

The COVID-19 pandemic had a tremendous impact on every aspect of life, particularly within the world of banking & finance. All banks saw sharp drops in their stock prices and net income, but my hypothesis is that larger, more established banks maintained more stability during 2020 than smaller banks. This paper analyzes the income statements and balance sheets of M&T Bank (an older, more well-established bank) and Citizens Bank (a less-established bank) during this difficult time.

The first part of my thesis describes similarities and differences between M&T Bank and Citizens Bank. I explain how these similarities and differences may …

Harnessing The Power Within: The Consequences Of Salesperson Moral Identity And The Moderating Role Of Internal Competitive Climate, Omar S. Itani, Nawar N. Chaker

Marketing Faculty Publications

The purpose of this research is to examine the notion of salesperson moral identity as a prosocial individual trait and its associated effects on customer and coworker relationships. In addition, this study examines the underlying processes in which these effects occur as well as the moderating role of internal competitive climate. Our empirical investigation of business-to-business (B2B) sales professionals reveals that moral identity has both direct and indirect effects on a salesperson’s customer- and team-directed outcomes. Specifically, our results demonstrate that salesperson moral identity positively affects both salesperson-customer identification and organizational identification, which, in turn, impact customer service provision and …

A Phenomenological Study Of Digital Business Simulation Games And Implementation For Corporate Learning, Jeremy Morgan Manjorin

Boise State University Theses and Dissertations

This qualitative phenomenological study investigated the experiences of a purposive sample of eight Learning and Development executives to understand the circumstances leading to, as well as the experiences implementing Digital Business Simulation Games (DBSG) in a corporate learning environment, specifically related to the financial service industry. Their perception of the organizational needs, decision-making process of those involved, as well as the experience in design, development, and implementation may contribute to a better understanding of the circumstances within an organization where a DBSG would be an effective solution to achieve the development goals of learners within that organization. This study will …

Essays On Human Resource Management (Hrm), Isory Santana

Publications and Research

Human Resource Management to demonstrate that the department of human resources adds value to the business. Considering the three main components of Human Resource Planning (HRP), the importance of and connections between environmental scanning, cultural audits, strategic planning, job enrichment, the idea of the dynamic process of organizations, and diversity management strategies, and how they relate to creating a competitive organization and how they assist Human Resources (HR) in dealing with its challenges.

2022-12-01 Agenda Book, Morehead State University. Board Of Regents.

Morehead State Board of Regents Agenda Books and Meeting Minutes

Agenda booklet for the Board of Regents meeting of December 1, 2022 which includes the meeting minutes of the meeting held on August 4, 2022.

2022 Author/Title Index To The Journal Of The Michigan Dental Association, Jackie Hammond

The Journal of the Michigan Dental Association

The Journal of the Michigan Dental Association annually publishes an index of the year’s articles listed by title and author. This resource is intended to aid in content searches.

Goodwill Message, Muhammad M. Bello

Economic and Financial Review

This is the keynote address delivered by the Honourable Minister of Federal Capital Territory during the Central Bank of Nigeria Executive Seminar, taking place in the city of Abuja. The theme of the seminar was “The Digitisation of Money and Monetary Policy in Nigeria."

The Evolution Of Money And The Changing Role Of Central Banks In The Digital Age, Uche Uwaleke

Economic and Financial Review

As a medium of exchange, money has evolved throughout the ages from barter system to fiat money issued by central banks. The digital age has ushered in new realities for central banks, transforming the nature of money and challenging monetary authorities to new roles required to implement their core mandate of maintaining monetary and price stability. The main purpose of this paper is to examine the changing roles of central banks occasioned by the challenges posed by digitalisation. Based on available literature surveyed, this changing role is principally evident in the recent move by most central banks to issue their …

Nigeria’S Budding Digital Economy: Coping With Disruptive Technology, Olugbenga Agboola

Economic and Financial Review

For a thriving and inclusive digital economy, African countries such as Nigeria need to build the critical foundations of the digital economy (World Bank Group, 2019). These foundations are interdependent and require public and private sector solutions.

Digitalisation And Financial System Stability: What Role For Macroprudential Policies?, Hassan Bello

Economic and Financial Review

The recent spate of financial digitalisation has been revolutionary, leading to significant changes in the structure of the financial system, its operational paradigm, users’ perception and experiences, and the regulatory landscape. These developments have been driven by explosive growth of technological advancements in fintech such as big data analytics, distributed ledger technology, and artificial intelligence, among others. Digitalisation of the financial system not only offers numerous benefits but also poses significant risks to the financial system, its stakeholders, and financial stability. This paper documents these issues and, in addition provides conceptual clarifications on financial digitalisation, and highlights relevant macroprudential policy …

Impact Of Technology On Financial Services, Usoro Usoro

Economic and Financial Review

This paper reviews seven emerging technologies that are shaping the future of financial services across the globe, their impact on financial services, and the implication for regulation. The seven technologies are: Mobile Connectivity; Artificial Intelligence; Decentralised Ledger; Open Source; Hyper Automation; Cloud Computing; and No Code Development Platforms.

Digital Currencies: Emerging Trends, Challenges And The Future Of The Monetary System, Remi Ogun

Economic and Financial Review

This paper discusses the relevance and significance of digital currencies within the context of the monetary system. The next section presents a global picture of the emerging trends followed by challenges from different jurisdictions. The final section discusses the future of the monetary system as shaped by digital currencies.

Digital Financial Services And Financial Inclusion In Nigeria: Milestones And New Directions, Chioma G. Nkechika

Economic and Financial Review

Digital Financial Services are ushering in an age of financial innovation and convenience with technology as the driver. It aims at solving several needs of the public, helping the governments tackle newer problems and identify the potentials of new technology that may be conceived in a competitive landscape. The aim of financial inclusion is to bring as many unserved and underserved Nigerians into the formal financial sector. Thus, digital financial services are revealing gaps in the market that will allow the Federal government intervene and cater to more members of the public than ever, using technology.

Staff Matters: What Will Be The Impact Of Changes To Michigan’S New Paid Sick Leave Law?, Jodi Schafer Sphr, Shrm-Scp

The Journal of the Michigan Dental Association

Michigan's paid sick leave law has seen several changes in recent years, and the latest updates, if upheld, will go into effect in February 2023. The original ballot-initiated law requires most employers to provide paid sick leave to employees. Employers need to be proactive in understanding the potential impact of these changes, including accrual rates, usage limits, notice requirements, and supporting documentation. It's crucial to review current leave policies and prepare for compliance if the law takes effect.

Resolving Echoes From Dentistry’S Past, Christopher J. Smiley Dds

The Journal of the Michigan Dental Association

This editorial discusses a 1939 concept of dental disease prevention and the resistance it faced from some in the dental profession due to potential economic self-interest. It draws parallels to current issues in the dental field, such as the Centers for Medicare & Medicaid Services (CMS) rules on dental coverage. The CMS rules link dental services to medical outcomes, opening the door for future expansion. However, the editorial highlights gaps in coverage, particularly for cancer patients and those with diabetes. The new CMS rule signifies progress in integrating oral health into healthcare, echoing a goal set in 1939.

Headquarters Report: Mda Strategic Plan: In The Rear View Mirror And Around The Curve, Karen Burgess Cae

The Journal of the Michigan Dental Association

The Association Executive Director's year-end report discusses the accomplishments and challenges of the MDA's 2021-25 Strategic Plan. Member value remains high, as indicated by a Net Promoter Score of 43 and positive feedback on benefits like TDSC.com. However, younger practitioners are less engaged due to pandemic-related challenges. Member engagement saw a successful in-person Annual Session and increased online engagement. Organizational sustainability remains strong, but efforts are focused on maintaining membership participation. Diversity, equity, and inclusion initiatives, including a collaborative website, made significant progress. Advocacy efforts resulted in Medicaid reform and defeating restrictive bills. The report concludes by emphasizing the evolving …

Traumatic Ulcerative Granuloma Mimicking Squamous Cell Carcinoma In Oral Lichen Planus, David I. Tindle Dds, Ms, Dabom

The Journal of the Michigan Dental Association

Background: Oral lichen planus is an immune mediated mucosal disorder affecting up to 2% of the population. Dysplasia has been known to develop in 0.1% to 1% of patients with lichen planus. This necessitates close surveillance for the development of atypical lesions.

Case: Described is the case of a 68-year-old female patient with oral lichen planus who developed a non-healing ulceration on her right lateral tongue. Out of concern for neoplasia, a biopsy was performed. Histopathologic report indicated features consistent with traumatic ulcerative granuloma. The lesion did not return.

Conclusions: Oral lichen planus is a common mucosal disease. Although uncommon, …

Forecasting Variance Swap Payoffs, Jonathan Dark, Xin Gao, Thijs Van Der Heijden, Federico Nardari

WCBT Faculty Publications

We investigate the predictability of payoffs from selling variance swaps on the S&P500, US 10-year treasuries, gold, and crude oil. In-sample analysis shows that structural breaks are an important feature when modeling payoffs, and hence the ex post variance risk premium. Out-of-sample tests, on the other hand, reveal that structural break models do not improve forecast performance relative to simpler linear (or state invariant) models. We show that a host of variables that had previously been shown to forecast excess returns for the four asset classes, contain predictive power for ex post realizations of the respective variance risk premia as …

Who They Are Versus What They Want: How Dominance, Influence, Steadiness, And Compliance Profiles Can Aid In Developing Employability, Bonnie S. O'Neill, Jason Fertig, Pamela Wells, Carelle B. Bassil

Management Faculty Research and Publications

This paper draws attention to a behavior-based assessment instrument that is frequently utilized in industry settings but less utilized in the academic classroom. The authors argue that this instrument, the dominance, influence, steadiness, and compliance (DISC) profile, can be useful in training and developing soft skills desired by employers. They also examine the effects of gender and work experience on the various DISC patterns to better understand how this instrument may be useful for coaching and mentoring in those academic and organizational contexts. In this study, DISC pattern data were gathered from 1547 undergraduate and graduate students across multiple universities …

2022-December-01-Etsu Professor Named Vice President Of Pca, University Marketing And Communication, East Tennessee State University

ETSU News

JOHNSON CITY – East Tennessee State University’s Dr. Elwood Watson, professor of history, Black American Studies and Women’s, Gender and Sexuality Studies whose writings and presentations have reached a wide audience, has been selected as the new vice president for Diversity, Outreach and Inclusion with The Popular Culture Association (PCA). 

Dr. Sue Matheson, president of the association and a professor at University College of the North, said: “We are pleased that Dr. Watson has accepted our request to serve in this most important position. The Governing Board is confident that Dr. Watson’s long record of service to the PCA, …

Rebranding My Cosmetics Business, Liaonn Martin

Creativity and Change Leadership Graduate Student Master's Projects

The project is focused on rebranding my business by changing the name, creating a working website, as well as creating and selling different products I am passionate about. As part of the project I worked on making my Instagram page more appealing to bring in customers from all over the world, and using Instagram to promote my products. I also researched different ways to utilize platforms such as Tik Tok and Facebook to help my business become more popular. I created extra gifts such as thank you notes, complimentary lip scrubs, and a thank you note for all of my …

A Welfare Comparison Of Historical Cost And Fair Value Accounting Regimes, Palmer Edholm

All Graduate Plan B and other Reports, Spring 1920 to Spring 2023

With ongoing controversy concerning fair value and historical cost accounting, existing accounting theory is focused on intra-firm decision making and is thus deficient in addressing the issue of maximizing social welfare. I propose models of historical cost and fair value accounting regimes which are embedded in models of monopoly and oligopoly. This allows for social welfare implications. I find that historical cost results in greater expected profits for both monopolists and oligopolists. However, if the market is elastic enough, a fair value regimes is welfare enhancing. Whereas, if the market is inelastic enough, historical cost is welfare enhancing.

Examining The Relationship Between Different Retail Mediums And Consumer Spending Habits, Melinda Vigh

University Honors Program Senior Projects

Understanding customer behavior and preferences is the first step towards developing optimal strategies for businesses and driving the highest revenues possible. Consumer behavior spending habits are everchanging due to the evolving nature of customers’ needs and preferences. This thesis fills the gap of a quantitative analysis between the in-person and online retail medium reflected onto levels of customer spending. This research provides further information about shoppers’ decision-making processes accounting for correlative relationships between demographic (age, gender, education level, income, etc.) and environmental variables (physical store atmospheres, online retail websites, social media advertisement). The research was based on primary data collected …

Pop & Perjury: The Irs Valuation War With The Estate Of Michael Jackson

The University of New Hampshire Law Review

When Michael Jackson died unexpectedly in Los Angeles, California, on June 25, 2009, his career and earnings were nearing an all-time low. Plagued by past sexual abuse allegations, scandals, and questionable health, Michael Jackson’s personal finances were purported to be in complete disarray. However, following his unexpected death, the value of his estate, which was reported to be near to nothing, swelled as the world remembered his beloved contributions to the world and began to purchase accordingly. Sales of Michael Jackson’s music began to soar high. The estate’s value soared even higher as it signed licensing agreements and released new …

Undead Dicta Or Haunted Holdings? A Closer Look At The Zombie Subjective Intent Partnership Formation Cases

The University of New Hampshire Law Review

Undead precedents haunt the partnership formation caselaw. But just how dangerous are they? It depends on what type of zombies they are—walking-dead dicta or haunted holdings. Asking a court to ignore bad dicta is nowhere near as difficult for litigants as asking a court to overrule an entire line of cases.

This article takes a closer look at the undead partnership formation cases that were previously identified in a companion article and concludes that nearly all such cases fall into the less-scary category of undead dicta, rather than truly dangerous category of zombie holdings.

2022-December-01-Wets-Fm Launching Year-End Campaign, University Marketing And Communication, East Tennessee State University

ETSU News

JOHNSON CITY – WETS-FM, a public radio station housed on the main campus of East Tennessee State University, is launching a year-end campaign that runs Dec. 10-16.

“Public radio is vital here in the Appalachian Highlands, as well as across the nation,” said Chad Barrett, station director. “We hope our listeners will be generous as we close out 2022.” 

Donations directly support NPR programming, and help the station replace aging equipment.

“We so often hear from our wonderful listeners how much they love WETS-FM,” Barrett said. “We are asking for support to ensure this excellent programming stays on the air.” …

Marketing And The Church, Parker Panetti

Marketing Undergraduate Honors Theses

This paper attempts to take an in-depth look at the current state of the Church in America and how marketing has and will continue to play a key role in its position in society.

The word marketing comes from the concept of the merchant buying and selling a product - in the market. From a Christian perspective, marketing tells the story of the redemptive work of Jesus Christ - who bought and redeemed mankind for a price, saved from sin, and set apart for service to the Lord. Churches have this story, the greatest story to tell, but people are …

Sustainability Across The Supply Chair: A Case Study In The Automotive Industry, Jane Siegler, Angelyn Bidlack, Sarah Harrison

Scholarship and Professional Work - Business

The United Nations Sustainable Development Goals have been widely adopted and implemented by organizations worldwide. However, with 17 goals and 169 targets, the decision on what to focus on and invest in are not trivial tasks. This research focuses on a major Tier-1 automotive supplier, here identified as CMF. With annual sales of 16 billion euros (2021), one in every three vehicles in the world is equipped with some form of CMF technology. The objective of this research was to evaluate CMF’s value chain and understand the challenges and opportunities related to the United Nations 17 Sustainability Development Goals (SDGs). …

2022-December-01-Etsu Predicts Above-Normal Temperatures This Winter, University Marketing And Communication, East Tennessee State University

ETSU News

JOHNSON CITY – Like it or not, the official start to winter is only a few days away.

And for the third straight season, winter will be characterized by the La Niña pattern. That likely means higher-than-normal temperatures for much of the Appalachian Highlands and above average precipitation, according to East Tennessee State University.

“Seasonal forecasts can be pretty tricky and the federal government through the NOAA along with the Farmer’s Almanac and Punxsutawney Phil, don’t always get it right,” said Dr. Andrew Joyner and Wil Tollefson, both members of the Department of Geosciences.

Housed in Ross Hall on …

Professional Sports Organizations And Business Analytics: Monopoly Power Vs Debt Financing, Mike Troilo, Adrien Bouchet

Journal of Applied Sport Management

In this essay, we consider the factors that explain the reticence of PSOs to be early adopters of analytics. We examine the relatively privileged position that professional sports franchises at the highest echelon in the U.S. and Canada enjoy and compare it the industry dynamics firms face in competitive environments. We remark upon the expansion of the league via debt financing, and why that promotes increased use of analytics. We also offer several propositions about the growth of analytics, and we conclude with some thoughts about what the future may hold for PSOs and analytics.