Technology and Innovation Commons^™

Bank Competition Amid Digital Disruption: Implications For Financial Inclusion, Erica Xuewei Jiang, Gloria Yang Yu, Jinyuan Zhang

Research Collection Lee Kong Chian School Of Business

We examine how digital disruption affects bank competition using the staggered rollout of 3G mobile networks. 3G expansion increased mobile banking adoption among tech-savvy households, reducing branch networks—especially in younger counties. Banks' strategies diverged: Less branch-reliant banks closed branches and competed on price, while more branch-reliant banks maintained branches but raised spreads. A structural model shows that perceived digital service improvements among younger consumers drove these shifts, reducing welfare for older savers. Counterfactuals demonstrate that subsidizing adoption for older savers can cost-effectively reduce these disparities, facilitating a smoother digital transition.

When Mac Shouldn’T Smile Back: Anthropomorphic Logo And Effect On Consumer Perceptions Of Generative Artificial Intelligence, Ainsley E. Ballard

Honors Scholar Theses

Drawing on prior research suggesting that anthropomorphic design can increase trust, liking, and perceived competence, this research investigates whether these effects extend to generative artificial intelligence logos. A three-group between-subjects study was conducted to examine how varying levels of logo anthropomorphization influenced consumer perceptions of an artificial intelligence brand. In being assigned to one of three logo conditions, humanoid (high anthropomorphism), animalistic (moderate anthropomorphism), or nature/geometric (low anthropomorphism), participants evaluated the new logo across multiple dimensions, including liking, brand fit, trustworthiness, and willingness to buy. Contrary to the initial hypothesis, the low anthropomorphism condition consistently received the most positive ratings, …

Assessing Public-Sector Readiness For Artificial Intelligence In Egypt, Renad Ahmed Anwar

Theses and Dissertations

Artificial intelligence (AI) is increasingly adopted in public-sector contexts, yet successful implementation depends on organizational readiness, particularly in developing countries. This study assesses the readiness of Egypt’s public sector for AI adoption using a qualitative expert opinion methodology. Semi-structured interviews were conducted with senior professionals from global technology firms with extensive experience working with public-sector entities in Egypt.

Guided by by an integrated framework combining organizational readiness theory, the Technology–Organization–Environment (TOE) framework, and public value and governance perspectives, the study examines strategic, organizational, human, technological, societal, and governance dimensions of AI readiness. The findings indicate that while Egypt demonstrates strong …

Governing Generative Ai In Higher Education: A Global Delphi Study On Policy And Practice, Helen Crompton, Diane Burke, Christine Nickel, Aras Bozkurt, Fengchun Miao, Mike Sharples, Jeffrey Alan Greene, David Parsons, Lucy Gill-Simmen, Adam Edmett, Mark Pegrum, Inge De Waard, Curtis J. Bonk, Manuel B. Garcia, John H. Curry, Leeann Lindsey, Mohan Yang, Stephen Marshall, Maha Bali, Nellie Deutsch, Suzaan Le Roux, Mourad Benali, Mohd Ali Bin Samsudin, Hasan Tinmaz, Matthew L. Bernacki, Mari Van Wyk, Lenandlar Singh, Agnes Chigona, Lance Eaton, Junhong Xiao, Johanna Velander, Jinhee Kim, Francisco Bellas, R. Rajalakshmi, Andréia De Bem Machado, Agnieszka Palalas, Sean Yu

STEMPS Faculty Publications

As GenAI technologies become more pervasive in higher education (HE), scholars call for guidance on AI governance. To meet this need, a Delphi technique and collective writing was used in gathering expert perspectives from across 22 countries/locations and six continents. This resulted in the development of a HE GenAI policy/guidelines framework with eight core areas: (1) academic integrity, (2) ethical use and responsible use, (3) privacy and protection, (4) equitable access, (5) GenAI literacy, (6) integration strategy, (7) human oversight and accountability, and (8) institutional support and infrastructure. In addition, a six-part framework was developed to ensure that policies remain …

Barriers To The Adoption Of Modular Construction Technology In South Africa, Mokete Matoba, Christopher Amoah

CSID Journal of Infrastructure Development

Construction, mining, and manufacturing are the most significant contributors to South Africa's GDP. While manufacturing and other industries utilise advanced technologies to enhance productivity, he construction industry continues to lag behind in technological adoption. This study examines the barriers that hinder the South African construction industry from leveraging the benefits of modular construction technologies (MCT). The study employed a quantitative research method, using closed-ended questions to collect data. The questionnaires were emailed to South African construction industry professionals selected through a combination of purposive and convenience sampling. A total of 98 questionnaires were distributed, of which 46 were returned. However, …

Beyond Numbers: Decoding The Dynamics Of Qualitative Accounting Research Across Decades, Triana Eva Adiningsih

Jurnal Akuntansi dan Keuangan Indonesia

Background: This study examines the realm of qualitative research in accounting, highlighting its evolving methodologies and thematic emphasis. There has been increasing interest in qualitative methodologies, such as literature reviews, SLRs, archival research, bibliometric studies, and interviews, to explore the complex nature of accounting practices. Methods: This study identifies the principal themes, trends, and prominent authors in qualitative accounting research through a systematic approach that incorporates bibliometric analysis using VOSviewer and a thorough assessment of Scopus-indexed journals. Findings: The findings highlight significant themes, including sustainability, technology, governance, and the impact of global occurrences, such as the COVID-19 pandemic, on accounting …

State Of Technology Usage In Smaller Public Accounting Firms In 2025, Arun Kumararaj, Candice Hux

Honors Capstones

Prior research gives significant attention to technology usage of large public accounting firms, particularly the Big 4. However, limited evidence exists on the smaller public accounting firms, which constitute a majority of the public accounting field. In this study, we conducted semi-structured interviews with eight highly experienced professionals of smaller accounting firms. Findings reveal that firm size does not necessarily predict technological sophistication. Rather, individual leadership, including a single partner, emerges as a critical driver towards technological advancement. AI was primarily used for administrative tasks and, as of yet, the return on investment has been unclear. Despite this, all interviewees …

Technology Discontinuance: A Systematic Literature Review And Research Agenda, Birgit Altrichter, Sabine Benoit

Research Collection Lee Kong Chian School Of Business

Technology discontinuance by users who quit digital services such as social media or lose interest in their devices after a few weeks is a common phenomenon. Yet it has received little research attention; the few studies that address it are scattered across disciplines. Research into customer churn is more prevalent, but it implies switching providers rather than halting usage altogether. By moving beyond discipline-based knowledge boundaries and conducting a systematic literature review, the current article proposes a technology discontinuance framework, which details seven technology discontinuance types (overuse, overload, proficiency, disenchantment, social, circumstantial, and solution) and their drivers. For example, guilt …

Higher Education Cybersecurity: A Vulnerability Assessment Of The U.S. South’S Institutional Websites, Zachary W. Taylor, Vivi Vo

Journal of Cybersecurity Education, Research and Practice

As technology continues to advance, it is critical to understand how higher education institutions protect digital information of their stakeholders including students, faculty, and staff through cybersecurity measures. Although conceptual research has articulated various aspects of cybersecurity, no empirical research has explored the cybersecurity of higher education (.edu) websites through a vulnerability scan of these websites via an open PortScan and analysis. To fill a critical gap in the literature, this study conducted a vulnerability scan and open PortScan and analysis of all higher education websites in three of the lowest-income states in the United States: Louisiana (n=112), Mississippi (n=52), …

Artificial Intelligence In Surveillance And Privacy, Elizabeth D. Brasher

NEXUS: The Liberty Journal of Interdisciplinary Studies

This paper attempts to provide insight into the new and developing world of artificial intelligence and its integration into surveillance technologies. These technologies being implemented by the government, retail companies, healthcare organizations, and more, all raise ethical questions and implications addressed in this article; other topics, such as the integration of Christian ethics and responsibilities, are also explored.

Ethics In Digital Marketing: A Gen-Z’S Perspective, Suruchi Bhatt

School of Business

Almost 72% of Americans report they have a sense of being tracked online through their cellphones, by their advertisers or companies they follow, around 20% think their activities across their days are tracked, with almost 47% reporting the government tracks their cellphones, behaviors, and everything they do online. (Atske, 2019) It is no secret that when people say privacy is a myth, it is upon the behaviors of the companies to inform the customers of what, where, and why their activity is being tracked. Answering how the activity is tracked and when it will be tracked are key factors that …

Selling Trust: The Evolution Of Relationship Selling In The Investment Industry, Kaden N. Kroslak, Frederik Beuk

Williams Honors College, Honors Research Projects

This honors research project examines how relationship selling in the investment industry, especially within registered investment advisory firms, has evolved over time. Advisor-client relationships are being shaped by technology, analytics, regulations, and a frenzy of information. This literature review explores whether the stated factors of technology, credibility, regulations, information access, and fiduciary duty, caused change in how investment advisors create, maintain, and grow client relationships within the context of trust. The project styling, in form of a literature review analyzes peer-reviewed studies on financial technology, artificial intelligence, psychological approaches, and regulatory systems. The outcome is a paper which helps fill …

Technology And Coding The Great Equalizer: A Case Study Of A Formerly Incarcerated Leader, Joni Schwartz

Publications and Research

Providing meaningful educational and employment opportunities for returning incarcerated citizens from marginalized communities contributes to a more sustainable future for all. This chapter examines the barriers faced by returning incarcerated citizens in employment and presents a case study of a Dario Peña, who is a formerly incarcerated citizen. Peña's lived experience, leadership preparation, vision, and bottom-up leadership made him a leader for the Justice through Code program, which aims to provide prisoners and returning citizens with professional skills to create a sustainable career in the tech industry. Anchored in Critical Race Theory (CRT), this chapter delves into structural inequalities like …

Why Ai Monitoring Faces Resistance And What Healthcare Organizations Can Do About It: An Emotion-Based Perspective, Karl Werder, Lan Cao, Eun Hee Park, Balasubramaniam Ramesh

Information Technology & Decision Sciences Faculty Publications

Continuous monitoring of patients' health facilitated by artificial intelligence (AI) has enhanced the quality of health care, that is, the ability to access effective care. However, AI monitoring often encounters resistance to adoption by decision makers. Healthcare organizations frequently assume that the resistance stems from patients' rational evaluation of the technology's costs and benefits. Recent research challenges this assumption and suggests that the resistance to AI monitoring is influenced by the emotional experiences of patients and their surrogate decision makers. We develop a framework from an emotional perspective, provide important implications for healthcare organizations, and offer recommendations to help reduce …

Exploring Vr User Experiences, Sarah Ferguson, Demetrice Smith-Mutegi, Brett Cook-Snell

Teaching & Learning Faculty Publications

Virtual reality (VR) has unique potential for simulating environments and situations beyond real-life experiences. This study investigates the limitations of VR equipment design for learning spaces, specifically online environments. Presented are the findings of an exploratory study that examined the immersion, ease of use, and physiological and emotional experiences of seven university students participating in a 30–60 min VR session. Given the small sample size, the findings were analyzed with descriptive statistics and qualitatively. The results revealed that participants recognized the potential of VR as a teaching and learning tool, while also identifying certain limitations associated with health and safety. …

Volume 7 (2024) Artificial Intelligence And Responsibility, Arwa Alnajashi, Danielle Derise, Philip L. Frana, David Mcgraw, Amanda Sawyer, Tatjana Titareva, Raafat Zaini, Allie Zombron

International Journal on Responsibility

The seventh volume of the International Journal on Responsibility (IJR) arrives at a crucial moment in the evolution of artificial intelligence and its integration into our academic and social fabric. As we witness the rapid advancement and deployment of AI systems across various domains, this special issue examines the multifaceted dimensions of responsibility surrounding AI technology, with a particular focus on its role in higher education and broader societal implications.

The articles in this volume contribute to our understanding of responsibility through diverse lenses, from classroom implementation to ethical design considerations. Together, they fulfill IJR’s central mission of exploring “Who …

Computer-Mediated Communication And Artificial Intelligence Strategies In Arts Entrepreneurship, Anna Blake

Journal of Arts Entrepreneurship Education

This study analyzes the potential of artificial intelligence (AI) using computer-mediated communication (CMC) theory to prospect areas for innovation in an emerging field that is rapidly becoming integrated within our everyday lives as well as in the marketplace. In order to demonstrate how arts entrepreneurs can effectively and ethically leverage AI technologies to communicate with their audiences and stakeholders, I examine as case studies the work of individual artists including Grimes. The CMC framework is used to examine art as a form of communication, illustrate how AI changes the nature of art, challenge the extant concepts of identity and intellectual …

Flexible Vs. Dedicated Technology Choice In The Presence Of Multiproduct Subscription Programs, Liling Lu, Onur Boyabatli, Sarah Yini Gao

Research Collection Lee Kong Chian School Of Business

Recently, automotive manufacturers have started offering multi-car subscription programs that give customers access to a menu of car models with possibility of switching between the models. The maintenance and depreciation costs during the program are borne by the manufacturers before the cars are sold in the pre-owned market. This paper studies how offering such a subscription program shapes the firm’s flexible versus dedicated technology choice and capacity investment decisions. We consider a two-product firm that makes these decisions under uncertain demand in a single subscription period. The firm faces two types of demand based on which product is requested at …

Driving Green Investments To Address Climate Change, Baptiste Gibrat

Dartmouth College Master’s Theses

The climate crisis is no longer news, and society needs to accelerate the transition to net zero emissions. Otherwise, the consequences of climate change will become increasingly catastrophic.

This thesis develops a framework to drive green investments, which reduce society’s dependance on fossil fuels. Initially, the research provides a comprehensive examination of these investments, followed by an exploration of three strategies to enhance their adoption: leveraging financial instruments and capital markets, implementing regulatory frameworks, and harnessing the power of technologies. To integrate these elements within a comprehensive framework, the study employs market research, reviews relevant literature, and includes interviews with …

Nurturing Entrepreneurship And Growing Entrepreneurs, Sun Sun Lim, Abdullah Khurshid, Dexter Ye Kai Tan, Gabrielle Lay Khim Tan

Asian Management Insights

How Southeast Asia’s universities can pave the way.

Universities in Southeast Asia:

1. Can unlock the potential of changemakers in driving economic growth through entrepreneurship education.

2. Accelerate the growth of the ASEAN start-up ecosystem by facilitating technology commercialisation, leveraging regional networks for mentorship and funding, and fostering cross-border collaborations.

3. Have birthed at least five of Southeast Asia's unicorns and are set to lead the way in producing more.

Exploring The Impact Of Artificial Intelligence On Project Management Across The Manufacturing, Technology, And Construction Industries, Susie Diaz Ferrera

Harrisburg University Dissertations and Theses

This study explores the impact of Artificial Intelligence (AI) on project management across the manufacturing, technology, and construction industries. The research focuses on understanding the benefits, challenges, and long-term implications of AI utilization in these sectors. Key findings indicate that 46% of participants use AI mainly for task automation and enhancing functions like brainstorming and communication, which significantly boosts efficiency and team productivity. Despite these benefits, the research identifies several obstacles, including high initial costs, inadequate training, technical issues, and unclear regulatory guidelines. The study addresses four main questions, revealing that AI not only enhances project management processes but also …

Naturify 2300, Yarina Yiwei Dai

Masters Theses

In my art practice, I explore the interplay between human desires to manipulate and anthropomorphize nature, as seen in the technological augmentation of plants and living entities. This investigation delves into how this intersection, alongside empathy towards these creations, contributes to fears of uncontrollability and the risks of addiction and excessive dependence on technology.

Bioengineering and genetic modification have cultivated unprecedented developments, allowing humans to manipulate the fundamental building blocks of life. My research speculates on this technology further, modifying the genetic code of organisms and creating bioengineered wearable entities with enhanced traits or entirely new functionalities. The primary objective …

Modern Technology And Its Impact On The Control Panel Manufacturing Industry, Keegan Kenney

Theses/Capstones/Creative Projects

This paper will explore emerging technologies and their effect within the control panel manufacturing industry. A control panel is defined by Automation Ready Panels as, “a metallic box that allows the person to control all electric equipment, appliances, and circuits mechanically by using electric energy” (What is an Electrical Control Panel?, 2022; Refer to Appendix A for a visual on what a control panel looks like). These are most commonly seen in large industrial equipment, such as assembly lines, rock crushers, etc. The innovations studied in this paper include 2D and 3D drawing, augmented reality, computer assisted manufacturing, …

Uncovering The Dark Side Of Technology: Exploring The Connection Of Conflict Minerals, Child Labor, And The Global Supply Chain In The Electronics Industry, Dylan Maupin

University Honors College

A topic that has recently come to light over the past few years is the conflicts with the electronics supply chain. With the increasing amount of technology, people are wanting more and more electronic devices that satisfy all their needs and make their lives easier. With this increase in demand for these devices, minerals such as tantalum, tin, tungsten, and gold are being sourced at a rapid rate. This leads to conflicts within the supply chain as the minerals are being sourced from countries like the Democratic Republic of the Congo where minerals are being mined by children and women …

The Effects Of Covid-19 On The Mobile Payment Banking System, Sydney Mason

Senior Honors Theses

This study includes an examination of the effect of the Coronavirus (COVID-19) pandemic on electronic payment apps. Ever since the pandemic caused a global shutdown, the banking industry was forced to adjust their usual operations and adopt new technological advancements that would allow for contactless payment. Consumers, worried about contracting the virus through the physical exchange of currency, resorted to utilizing payment apps. This contributed to the increase in electronic payment usage. This research addresses the effect of COVID-19 on three different electronic payment apps, Venmo, PayPal, and Zelle. A comparative longitudinal analysis shows the increase in total transactions from …

The Chatbot Challenge: How Smes Can Leverage Ai For Growth And Engagement, Tamas Makany, Felicia Goh

Asian Management Insights

Enhancing SME workforce efficiency with chatbots for improved business communication.

The Fourth Industrial Paradigm: The Emergence Of Artificial Intelligence As A Business Tool For Startups And Technology Companies, Evan Barr

Honors Theses

Society is currently living in an era known as the Fourth Industrial Revolution (IR 4.0), which is primarily defined by technologies such as Artificial Intelligence, which provide prediction capabilities for businesses across all industries. But how are small technology companies and startup businesses navigating the influx of future possibilities of AI? This thesis examines how governments and consulting firms portray the future possibilities of Artificial Intelligence (AI). Using Sheila Jasanoff’s concept of sociotechnical imaginaries, the research explores how these imaginaries shape AI narratives through primary documents like the Biden Administration's "Blueprint for an AI Bill of Rights" and McKinsey & …

Energy Efficiency In Additive Manufacturing: Condensed Review, Ismail Fidan, Vivekanand Naikwadi, Suhas Alkunte, Roshan Mishra, Khalid Tantawi

Engineering Technology Faculty Publications

Today, it is significant that the use of additive manufacturing (AM) has growing in almost every aspect of the daily life. A high number of sectors are adapting and implementing this revolutionary production technology in their domain to increase production volumes, reduce the cost of production, fabricate light weight and complex parts in a short period of time, and respond to the manufacturing needs of customers. It is clear that the AM technologies consume energy to complete the production tasks of each part. Therefore, it is imperative to know the impact of energy efficiency in order to economically and properly …

Digitalization Of Railway Transportation Through Ai-Powered Services: Digital Twin Trains, Salih Sarp, Murat Kuzlu, Vukica Jovanovic, Zekeriya Polat, Ozgur Guler

Engineering Technology Faculty Publications

Digitalization is a key concept that transformed the various industries through technologies like Internet of Things (IoT), Artificial Intelligence (AI), and Digital Twin (DT). Although innovations provided by the advancement of digitalization have paved the way for more efficient operations and products for transportation, the rail transportation sector struggles to keep up with the rest of the transportation industry, since trains are designed to last for decades, and the insufficient infrastructure investment leads to multiple railroad derailments across the globe. Therefore, the primary aim is to transform current railway systems into human-centric, adaptable, sustainable and future-proof networks, aligning with Industry …

Ireland, Intellectual Property And The Political Economy Of Information Monopolies, Kenneth W. Murphy

Articles

Ireland’s policies towards US-owned global digital intermediaries (Big Tech) have emerged as an international political issue and received global media attention. So far, political and media focus has been on the impact of Ireland’s tax policies on the revenue-raising ability of other European states and perceptions of light touch regulation of those corporations based in the Republic. The current paper will focus on how Ireland’s switch to a focus on capital allowances for the sizeable American tech corporations has enabled the latter to sustain their dominance in the digital transition through incentivizing and subsidizing their switch to assetization as a …