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Full-Text Articles in Business Administration, Management, and Operations

Unlocking Innovation: The Impact Of Psychological Safety, Organizational Structure, And Rigidity On The Pursuit Of Innovation Within The Firm, Robert Kyle Rudd May 2026

Unlocking Innovation: The Impact Of Psychological Safety, Organizational Structure, And Rigidity On The Pursuit Of Innovation Within The Firm, Robert Kyle Rudd

Theses and Dissertations

Innovation is often a competitive advantage generator, growth, and organizational success. However, there is relatively little empirical literature that describes how organizations may be designed such that employees also feel significant freedom to innovate. This dissertation investigates the role of psychological safety and organizational design conditions, perceived organizational structure and perceived organizational rigidity as joint predictors of perceived freedom to innovate (PFTI) of employees.

The quantitative, cross-sectional survey design was used to gather data of 425 full-time U.S.-based employees who were recruited through CloudResearch. Respondents undertook validated scales of psychological safety, perceived organizational structure, perceived organizational rigidity and perceived freedom …


A Behavior Analytic Blueprint For Rapport-Building: Investigating The Key Elements For Success, Nelmar Jacinto Cruz May 2026

A Behavior Analytic Blueprint For Rapport-Building: Investigating The Key Elements For Success, Nelmar Jacinto Cruz

Theses and Dissertations

Rapport can be defined as a positive relationship between people built through specific actions. Building rapport can benefit organizations by improving performance and increasing work satisfaction. Despite these benefits, research on rapport remains scarce. Curry et al. (2019) completed the most recent rapport study and found that rapport-building led to increased productivity and discretionary effort. The present study replicated and extended Curry et al. (2019) and addressed three limitations of their research: the lack of a control group, the large disparity in time spent with the experimenter, and the rigidity of their rapport conversation script. The study was completed in …


What Happens When Leaders Don’T Live Up To The Ideal? How The Leadership Perception Gap Can Undermine Leader Development And Intentions, Julia Macgregor-Peralta May 2026

What Happens When Leaders Don’T Live Up To The Ideal? How The Leadership Perception Gap Can Undermine Leader Development And Intentions, Julia Macgregor-Peralta

Theses and Dissertations

Despite decades of research on leadership development, we know surprisingly little about why capable, confident people choose not to pursue leadership. This study introduces the Leadership Perception Gap (LPG), a construct that captures discrepancies between ideal leader views and the leaders people actually observe, and tests whether those discrepancies reduce the desirability of leadership roles. LPG was assessed using latent congruence modeling (LCM) to compare ideal leader ratings with vignette-based leader evaluations. The vignettes manipulated leadership style (agentic, communal, balanced) and team composition (all-male, all-female, balanced). Participants were randomly assigned to one condition and evaluated their interest in joining the …


Essays In Financial Markets And Corporate Decisions, Siwen Zhang Apr 2026

Essays In Financial Markets And Corporate Decisions, Siwen Zhang

Theses and Dissertations

The first chapter studies the feedback effects in the loan market. Using the secondary market prices of syndicated loans, I find that information in loan prices has real effects on corporate investment decisions. For public firms, the sensitivity of capital expenditure to their loan price is significant, and this sensitivity is higher when loan prices are more informative. In making M&A decisions, public acquirers are less likely to withdraw a deal when their loan returns are higher. Without access to stock prices, private acquirers change their focus from their public peers’ valuations to their own loan prices as a direct …


The Cost Of Information: How Audit Billing Arrangements Affect Managers’ Information Disclosure, Nicole Bruno Apr 2026

The Cost Of Information: How Audit Billing Arrangements Affect Managers’ Information Disclosure, Nicole Bruno

Theses and Dissertations

This study examines how audit billing arrangements (ABAs) influence managers’ willingness to share private information with auditors, a key determinant of audit quality. Drawing on prospect theory, I predict that framing the ABA as either a fixed-fee or a reserve affects managers’ information disclosure decisions, particularly for scope- increasing information. In a 2 x 2 between-subjects experiment, I find an interaction of ABA type and information type. Managers are more willing to disclose scope-increasing information with a fixed-fee ABA than with a reserve ABA, but less willing to disclose scope-consistent information with a fixed-fee ABA than with a reserve ABA. …


Orchestrating Value In Global Supply Chains: An Ecosystem Approach To Boundary Decisions, Innovation, And Sustainability, Kijong Kim Apr 2026

Orchestrating Value In Global Supply Chains: An Ecosystem Approach To Boundary Decisions, Innovation, And Sustainability, Kijong Kim

Theses and Dissertations

This dissertation builds on an ecosystem perspective to examine how suppliers strategically navigate interdependent relationships to sustain competitiveness in global supply chains. In today’s digitally interconnected and institutionally diverse global economy, suppliers operate within complex ecosystems composed of buyers, other suppliers, complementors, and institutional actors. In such environments, suppliers cannot rely solely on compliance with buyer mandates or transactional efficiency to maintain advantage. Instead, they must strategically position themselves within networks to preserve relationships, specialize innovation, and implement sustainability practices. Although international business and supply chain research increasingly acknowledges interfirm interdependencies, it continues to view supplier behavior primarily through hierarchical …


A Tail Of Consumption: Essays On Pet-Person Identities And Their Effects On Consumers, Mackenzie Micheala Volk Apr 2026

A Tail Of Consumption: Essays On Pet-Person Identities And Their Effects On Consumers, Mackenzie Micheala Volk

Theses and Dissertations

This work examines how exposure to pet-person identities — identifying as a dog person or a cat person — affects consumer behavior. Across two chapters, results show that exposure to dog-person cues increases preferences for bold and conspicuous product features through heightened desire for dominance-based status signaling. Additionally, exposure to cat-person cues activates a cat-person mindset, boosting support for inclusive businesses and policies by increasing minority support and justice sensitivity. Together, these findings suggest that subtle identity cues in the marketplace can meaningfully shape consumer preferences and social attitudes, with implications for how brands position themselves and how policymakers and …


Managing Capacity Development For Administrative Staff In Higher Education Institutions: A Case Study Of The American University In Cairo, Amal Gamal Kaldas Jan 2026

Managing Capacity Development For Administrative Staff In Higher Education Institutions: A Case Study Of The American University In Cairo, Amal Gamal Kaldas

Theses and Dissertations

Capacity development (CD) is a fundamental factor in the success of an organization, particularly in the initiation of higher education (HEIs) where administrative staff have a significant role in operational functions. This thesis presents several aspects that shape the capacity development for administrative staff in higher education institutions and the foundation of theories that relate to CD. Focusing on The American University in Cairo (AUC) as a case study to explore the current CD programs, how the administrative staff perceive the CD programs, and the challenges that hinder AUC in implementing these programs, and how AUC manages these programs. A …


The Influence Mechanism Of Chief Sustainability Officers On Firm Sustainability Performance, Taiwo Abraham Dec 2025

The Influence Mechanism Of Chief Sustainability Officers On Firm Sustainability Performance, Taiwo Abraham

Theses and Dissertations

This dissertation examines how Chief Sustainability Officer (CSO) human capital configurations influence organizational sustainability performance through a configurational approach. Drawing on Upper Echelons and Human Capital theories, the study conceptualizes CSO human capital as encompassing both general (GHC) and sustainability-specific (SHC) dimensions that interact with job functions and governance mechanisms to shape outcomes. The theoretical framework proposes that SHC primarily influences non-financial sustainability performance (nfSP), while GHC drives financial sustainability performance (fSP). Champion functions moderate the SHC-nfSP relationship, while Ambassador functions moderate the GHC-fSP relationship. Firm sustainability governance further enhances these relationships and creates pathways for SHC to influence financial …


Populism And Its Effect On International Business Strategy, Julio Cesar Martinez Suarez Oct 2025

Populism And Its Effect On International Business Strategy, Julio Cesar Martinez Suarez

Theses and Dissertations

This dissertation investigates the complex relationship between populism and international business strategy, with a particular focus on how populist mobilizations influence firms' location decisions and strategic planning. As populism continues to shape political dynamics globally, it presents significant challenges for businesses operating in or considering entry into markets governed by populist regimes. Utilizing institutional theory, this study examines the distinct political risks associated with populism, including anti-establishment ideology, the weakening of democratic institutions, and a tendency toward short-term, reactive policymaking. The research explores the consequences of these risks for firms, particularly in emerging markets, where populism often exacerbates uncertainty and …


Factors Influencing The Performance Of Farmer-Producer Organizations (Fpos) And Their Societal Impact In Tamil Nadu, Arjune S Aug 2025

Factors Influencing The Performance Of Farmer-Producer Organizations (Fpos) And Their Societal Impact In Tamil Nadu, Arjune S

Theses and Dissertations

Farmer Producer Organizations (FPOs) are formed mainly for the farmers to have better institutional access to acquire them. They are also under the inspiration of the director's abstinence and the incentive of getting more money. These are socio-psychological individual differences and thus of importance to markets, the perception of markets, and market relevance of group interaction. Self-esteem, attitude to participation in group activities, and willingness to participate in these types of activities are of some significance for his/her performance because they have an effect on their performance afterward.

Farmer social empowerment increased but not farmer economic empowerment did so much …


Impact Of Exchange Traded Funds (Etf) Holdings On Retail Investors’ Mutual Fund Portfolios Performance, Arunachalam R Mr Aug 2025

Impact Of Exchange Traded Funds (Etf) Holdings On Retail Investors’ Mutual Fund Portfolios Performance, Arunachalam R Mr

Theses and Dissertations

As evidenced by the practices passed down through generations the importance of savings and investments is well established in Indian culture. Indian investors consider investment as an essential commitment to financial sustainability and safeguarding dependents. Indians implement investment strategies during their working years to ensure long term financial security and support for future generations.

These cultural practices support the foundation of personal finance in India and well established financial theories (MPT, CAPM and EMH) guide optimising investment outcomes (SEBI, 2020). The effects of inflation and increased life expectancy made Indian investors aware of the need for a substantial financial corpus …


Two Essays In Finance: Can Machines Better Predict Insider Trading? And Csr And Firm Value Following Dividend Cuts: International Evidence, Solmaz Batebi Jul 2025

Two Essays In Finance: Can Machines Better Predict Insider Trading? And Csr And Firm Value Following Dividend Cuts: International Evidence, Solmaz Batebi

Theses and Dissertations

This dissertation consists of two essays. In the first paper, I find that machine learning (ML) models predict the likelihood and magnitude of insider trading significantly better than linear models such as OLS and logistic regression. I use ML models, including LASSO, Random Forest, and eXtreme Gradient Boosting, optimizing model parameters through Bayesian hyperparameter tuning to identify the best configuration. Additionally, I apply SHAP values to better understand the determinants of insider trading. I also use Gaussian Thompson Sampling (GTS) to explore the sources of insiders’ market-timing capabilities. I find that ML models can boost the R² for models predicting …


The Other Side Of Trusting: The Implications Of Vulnerability As A Core Component Of Organizational Relationships, Sam Dylan Strizver Jul 2025

The Other Side Of Trusting: The Implications Of Vulnerability As A Core Component Of Organizational Relationships, Sam Dylan Strizver

Theses and Dissertations

Trusting behavior—discretionary risk-taking with another party—is the primary means of facilitating productive workplace relationships (Zand, 1979; Mayer, Davis, & Schoorman, 1995). Yet, little empirical evidence exists to explain what happens after employees engage in trusting behavior, but before outcomes materialize—otherwise termed the “vulnerability phase” (Ballinger, Schoorman, & Sharma, 2024: 2). To address this neglect, I develop a theoretical framework that positions vulnerability as a core psychological state within the trust process, shaped by trustors’ cognitive appraisals of risk severity and uncertainty. Drawing from research on stress and well-being, the framework also identifies coping as a key response to vulnerability, moderated …


Exploratory Study On Factors That Impact Job Embeddedness For Northeast Government And Commercial Aerospace Procurement Specialists, Nicholas Alaimo May 2025

Exploratory Study On Factors That Impact Job Embeddedness For Northeast Government And Commercial Aerospace Procurement Specialists, Nicholas Alaimo

Theses and Dissertations

This qualitative study examined job embeddedness theory and its impact on commercial and government aerospace procurement professionals in the Northeast United States. The research sought to understand the factors that influence why these professionals remain in their positions and what elements contribute to improved job performance. Job embeddedness theory explains employee retention through three key factors: perceived fit within their role, perceived links to organizational culture, and perceived sacrifices that would result from leaving.

The study identified six main themes. First, the research found both similarities and differences in how aerospace procurement specialists connect with aerospace culture in government subcontracting …


Exploration, Exploitation, And Financial Performance: The Long-Term Advantages Of Ambidextrous Companies, Georgi Aleksandrov Kirov May 2025

Exploration, Exploitation, And Financial Performance: The Long-Term Advantages Of Ambidextrous Companies, Georgi Aleksandrov Kirov

Theses and Dissertations

Researchers have advanced ambidexterity as an effective organizational strategy to cope with environmental and technological change. The use of divergent and incompatible core construct conceptualizations, overreliance on cross-sectional and perceptual performance measures, and persistent scarcity of longitudinal examinations have undermined empirical conclusions that ambidexterity works. This study seeks to ascertain whether ambidexterity enhances long-term financial performance under environmental conditions of munificence, dynamism, and external potential slack.

The study deploys a novel operationalization of the ambidexterity concept and develops company portfolios to compare the financial results of ambidextrous firms and their rivals. Based on a 25-year data set, the research finds …


From Silos To Synergy: A Multi-Case Study Of The Enablers And Inhibitors Of Successful Post-Acquisition Technology Platform Integration, Nasario Mejia Jan 2025

From Silos To Synergy: A Multi-Case Study Of The Enablers And Inhibitors Of Successful Post-Acquisition Technology Platform Integration, Nasario Mejia

Theses and Dissertations

Mergers and acquisitions (M&A) have long been an important strategy for achieving growth. Levels of M&A have been increasing over the past 10 years. An enduring challenging problem post M&A is the effective integration of the technology platforms of the acquired and acquiring firms. This study investigates the enablers and inhibitors of successful post-acquisition technology platform integration (PATPI) through the lens of interdependent People, Process, Technology, and Data capabilities. Based on data collected from interviews with senior leaders combined with publicly available secondary data, a multi-site qualitative comparative case study analysis was used to identify enabling and inhibiting platform integration …


Creation-Disruption Theory: How Innovators Create And Disrupt Markets In The Era Of Ai And Beyond, Jukka Alanen Jan 2025

Creation-Disruption Theory: How Innovators Create And Disrupt Markets In The Era Of Ai And Beyond, Jukka Alanen

Theses and Dissertations

Understanding how innovators create and disrupt markets remains a central challenge in strategic management and innovation, especially amid rapid advances in AI. In this two-paper dissertation, I develop and empirically ground the Creation-Disruption (CD) Theory as a novel and unified theory that explains how innovations and innovators transform markets through intertwined processes of creation and disruption, addressing limitations of prior frameworks. In the first paper, I develop the CD Theory conceptually, treating innovations as the unit of analysis, and reconceptualize, integrate, and extend prior frameworks — most notably, disruptive innovation theory and Blue Ocean Strategy — into a unified theory …


Reflection & Reciprocity: The Role Of Community In The Career Decision-Making Processes Of Indigenous & Non-Indigenous College Students, Amanda M. Langhorst Jan 2025

Reflection & Reciprocity: The Role Of Community In The Career Decision-Making Processes Of Indigenous & Non-Indigenous College Students, Amanda M. Langhorst

Theses and Dissertations

This dissertation explores the complex role of community in the career decision-making of college students. Our career decisions impact our life in many ways; individualistic cognitive models provide some insight but miss the important relationships and interaction we have with our communities and the role of culture. Through 45 interviews across a primary sample and two contrast samples with public university college students and student service professionals, this research revealed two key processes in how we utilize community in our career decision-making, reflection & reciprocity. The data resulted in a Community-Embedded Career Decision-Making Model showcasing the process of “how” we …


Analysis Of Technology Skill Requirements For Entry-Level Accountants, Jiane Louella Tolentino Rabara Jan 2025

Analysis Of Technology Skill Requirements For Entry-Level Accountants, Jiane Louella Tolentino Rabara

Theses and Dissertations

This study examines the evolving impact of emerging technologies on skill requirements for entry-level accountants. Using a mixed-method approach that combines literature review and quantitative analysis of 2,257,082 job postings from 2021 to 2024 provided by the Butler Center for Research and Economic Development, the study evaluates trends in employer expectations across firm sizes and time. Chi-square tests revealed significant changes in the proportion of postings requiring technological skills (χ² = 117,672, df = 3, p < .001), indicating a shift in how technology-related competencies are presented in job ads. Specifically, while previous job postings often included general technical skills alongside traditional accounting tasks, recent job postings increasingly emphasize advanced or specialized technologies—such as ERP systems, cloud accounting platforms, and automation tools. This shift suggests that employers are moving away from broad technical expectations toward more targeted skill sets, reflecting the evolving technological demands of the profession. A separate chi-square test found a significant relationship between technological skill requirements and job ad duration (χ² = 2,309.57, df = 4, p < .001). However, no consistent pattern of longer posting duration was observed for technology-oriented roles. Literature-based synthesis further showed that large accounting firms continue to demand more advanced technological competencies than smaller firms. Overall, while traditional accounting skills remain predominant, the findings indicate a transition toward more specialized technological expectations in the entry-level accounting role.


Exploring Childcare Leaders’ Perspectives On Program Philosophies At The Intersection Of Care, Education, And Business: A Multi-Method (Qual + Qual) Study Using Simon Sinek’S Golden Circle, Megan Kybartas Jan 2025

Exploring Childcare Leaders’ Perspectives On Program Philosophies At The Intersection Of Care, Education, And Business: A Multi-Method (Qual + Qual) Study Using Simon Sinek’S Golden Circle, Megan Kybartas

Theses and Dissertations

This multi-method (QUAL + qual) study explores childcare leaders’ perspectives on program philosophies at the intersection of care, education, and business, which I call The Childcare Tripartite. Recognizing the significant dependency on high-quality childcare services and the foundational role of program philosophies in achieving this quality, this research addresses a notable gap in the literature regarding how early childhood leaders communicate and prioritize their program philosophies within the complex American childcare landscape. Employing semi-structured interviews, documentary materials, and demographic forms, and analyzed through both thematic and deductive content analysis, drawing on Simon Sinek’s Golden Circle, the study uncovers how philosophical …


Motivación Y Su Efecto En La Eficiencia De Equipos De Trabajo Remoto En Una Organización Privada, Ysabel Quintana Jan 2025

Motivación Y Su Efecto En La Eficiencia De Equipos De Trabajo Remoto En Una Organización Privada, Ysabel Quintana

Theses and Dissertations

Esta disertación aplicada con enfoque cualitativo y diseño fenomenológico fue diseñada para analizar cómo las estrategias motivacionales implementadas por líderes influyen en la eficiencia de equipos de trabajo remoto en una organización privada dedicada a la protección de niños y adolescentes. Se seleccionó una muestra de diez líderes de distintos departamentos que gestionan equipos remotos.

Para la recolección de los datos se realizaron entrevistas semiestructuradas para explorar sus experiencias, herramientas tecnológicas utilizadas y enfoques motivacionales. Los datos recopilados se analizaron mediante el método de análisis temático, permitiendo identificar patrones comunes relacionados con la motivación, la productividad y el estilo de …


Impact Of State-Level Family Policies On Female Labor Force Participation And Entrepreneurship, Kathryn Staczek Rudloff Dec 2024

Impact Of State-Level Family Policies On Female Labor Force Participation And Entrepreneurship, Kathryn Staczek Rudloff

Theses and Dissertations

This dissertation aims to investigate the impact of state-level family policies on women's participation in the labor force in the United States, focusing specifically on the rise of self-employment and solopreneurship among women. The research seeks to answer the following question: "How do family policies at the state level impact participation of American women in the labor force?"

The study utilized a convergent parallel mixed-methods design. A composite index of state level family policies was created to conduct cross-sectional exploratory data analysis of female labor force participation. Additionally, a qualitative phenomenological study of solopreneurs provided a deeper understanding of the …


Performance-Based Contracts: Discovering The Role Of Pbc In Resilience, Justin P. D'Agostino Sep 2024

Performance-Based Contracts: Discovering The Role Of Pbc In Resilience, Justin P. D'Agostino

Theses and Dissertations

The lifecycle sustainment costs for complex and expensive systems (e.g., aircraft, ships, or manufacturing equipment) often exceed their purchase costs. Reducing sustainment costs, even by a fraction, can create competitive advantages for the system owner. The operations and supply chain management (O&SCM) field asserts that this competitive advantage in life cycle sustainment operations is achievable through performance-based contracts. However, empirical validation of this assertion is required. This research investigates performance-based contracts to validate their asserted impact on sustainment operations and develops a branch of research to understand their role in organizational and supply chain resilience. This research consists of three …


Environmental Implication Of Environmental Disclosure, Jie Lian Aug 2024

Environmental Implication Of Environmental Disclosure, Jie Lian

Theses and Dissertations

Recent environmental incidents and disasters have intensified awareness and concerns about environmental issues, making the reduction of the private sector’s environmental impact a pressing necessity. The path to better environmental performance depends on enhancing environmental disclosure. While an increasing number of firms are embracing environmental disclosure, and legislative efforts are steering towards mandating such disclosures, the comprehensive understanding of the environmental implications of these disclosures remains surprisingly limited. A significant gap exists in understanding the challenges of environmental disclosure in promoting sustainability and complex consequences in various contexts.

The dissertation aims to fill this literature gap by focusing on the …


Investigating The Engagement Behaviour Of Omni-Digital Banking Customers, Guhan R Aug 2024

Investigating The Engagement Behaviour Of Omni-Digital Banking Customers, Guhan R

Theses and Dissertations

Digital banking is rapidly growing in India, positioning the country as the global leader in digital banking users as of 2022, with approximately 295.5 million users, surpassing the United States by over 70 million. This growth reflects a shift from Omni-channel to Omni-digital banking, where customers exclusively use digital platforms, enhancing digital engagement. However, research specifically focusing on Omni-digital banking behavior remains limited, with most studies concentrating on online and mobile banking.

To address this gap, a study was conducted using a new research model based on UTAUT2 variables, targeting Omni-digital banking customers in Tamil Nadu. A sample of 1,082 …


Consumption Of Over-The-Top (Ott) Media Streaming Services In Rural Tamil Nadu, Rajarathi K Jul 2024

Consumption Of Over-The-Top (Ott) Media Streaming Services In Rural Tamil Nadu, Rajarathi K

Theses and Dissertations

Over-the-top (OTT) Media Streaming Services are modern online entertainment services based on new media technologies. During the COVID-19 lockdowns, the OTT consumer base experienced exponential growth, especially in India. Currently, the Indian OTT industry is in its second growth phase, owing to increased consumption in rural India. The interests of rural consumers align with different types of OTT content, providing potential market for OTT media streaming services. Tamil Nadu is a front runner in the consumption of YouTube and other popular OTT media streaming services in the country. The Government of Tamil Nadu is making penetration efforts to establish OTT …


Three Essays On Environmental, Social, And Governance (Esg), Zhengwei Fu Jul 2024

Three Essays On Environmental, Social, And Governance (Esg), Zhengwei Fu

Theses and Dissertations

This abstract synthesizes findings from three studies examining the impact of environmental, social, and governance (ESG). In essay one, using environmental regulatory enforcement data from EPA, I find that facility-level political connections are positively related to the likelihood of experiencing environmental regulatory enforcement. The effect is mainly driven by political connections related to Democratic senators. Consequently, politically connected facilities reduce their air pollution. The effect of political connection is diminished when the authority of senators over environmental regulatory enforcement becomes weaker after the 2017 presidential election. Heterogeneity analyses reveal that the impact of political connection is stronger in states with …


Digital Technology Usage Behaviour Among Unorganised Retailers In Tamil Nadu, Karthik Ram M May 2024

Digital Technology Usage Behaviour Among Unorganised Retailers In Tamil Nadu, Karthik Ram M

Theses and Dissertations

Unorganised retail, consisting of small local shops offering various products, holds a significant market share of 81.50 %, according to the India Retailer Report (2023). Despite the burgeoning e-commerce and organised retail sectors, unorganised retail remains a preferred shopping choice for many consumers.

In response to the sector's potential, several startups have emerged, aiming to support kirana stores. While these startups have primarily focused on horizontal solutions to enhance efficiency, there is a growing need for tailored solutions addressing the specific requirements of unorganised retailers.

Introducing the Dukantech (Dukan in hindi meaning ‘Shop’) model as a solution, this approach enables …


A Study On The Impact Of Psychological Factors On Investment Decisions Of Gen Y - It Employees, Tamil Nadu, Karthikeyan S May 2024

A Study On The Impact Of Psychological Factors On Investment Decisions Of Gen Y - It Employees, Tamil Nadu, Karthikeyan S

Theses and Dissertations

Investments are indeed vital to the economic development of a country. Individual savings and investment patterns play an important role in any economy since they are major components of financial markets. The investment pattern and type of investment products preferred by investors decide the future of the economy. As the Investment decision-making became crucial for individual investors since it can result in significant gains or losses and also has effect on the economy. As a result, each individual investor needs to be so cautious of how they make decisions and what influences them. The people were categorised by the generations …