Social and Behavioral Sciences Commons^™

From Open Banking To Banking-As-A-Service: Regulatory Challenges In The Evolution Of Financial Intermediation, Nydia Remolina Leon

Research Collection Yong Pung How School Of Law

Over the past decade, financial innovation has moved from open banking, centred on consumer-permissioned data sharing, to banking-as-a-service (BaaS), which modularises core banking functions through application programming interfaces. This shift allows fintechs and non-financial platforms to embed financial products seamlessly, reducing transaction costs and fostering innovation. Yet the 2024 collapse of Synapse in the United States exposed the fragility of this model when intermediaries operate outside robust oversight, leaving consumers without recourse and revealing liability fragmentation and regulatory blind spots. This paper distinguishes BaaS from open banking, open finance, and embedded finance, and maps leading global models – from bank-led …

The Effects Of Sexual Orientation Stereotype Information And Prejudice On False Memories, Source Monitoring Errors, And Social Categorization Judgments, Julia Belen Strickland Nunez

Psychology Theses & Dissertations

Minoritized groups, such as the LGBTQ+ community, receive many harmful and destructive stereotypes from others. These negative views affect minorities because when people are recalling a memory, they fill in the gaps with general information that they know. When the schematic information is not accurate, people tend to remember information that was not originally presented; this is known as a false memory. When people accurately recall a memory, but not the source of the memory, it is known as a source monitoring error.

The current study investigated whether stereotype-consistent information leads to more false memories and source monitoring errors as …

De Facto Captivity In The Land Of The Free: Exploring The Confining Effects Of Network And System Avoidance, Brianna Ovalle

Sociology & Criminal Justice Theses & Dissertations

Encroaching state surveillance has primarily targeted people of color living in urban, inner cities, resulting in both much higher likelihoods of encountering state agents and the consequences of such contact. The ceaseless surveillance has led some individuals to engage in protective behaviors aimed at minimizing encounters with agents of the CLS. These behaviors are adaptable to present risks of surveillance and contact with the system. While there are various types of avoidance, the focus of this research is system avoidance and network avoidance. Previous literature for both types of avoidance focuses on the experiences of lower SES men. Further, as …

Cash, Cleats, And Carpools: A Multi-Method Investigation Of Resource Allocation In Families With Youth Athletes, Emily Susan Delisle

All Graduate Theses and Dissertations, Fall 2023 to Present

The current thesis is an investigation of time and financial resource allocation in families with youth athletes. Study 1 used a survey questionnaire to explore how the number of athletes in a family impacted the way parents allocated time and financial resources to their oldest child’s youth sport participation. Results indicate that an increase in the number of athletes in a family does not decrease parents’ time or financial commitments to their oldest child’s youth sport participation. Study 2 used interviews to explore how nine parents with multiple athletes experienced the intersecting demands of time, finances, and family life while …

The Impact Of Early Exposure To Engineering Concepts In The Form Of Family, School Classes, And Stem Extracurriculars On The Long-Term Sense Of Belonging In Undergraduate Women In Engineering, Hannah Lloyd

All Graduate Theses and Dissertations, Fall 2023 to Present

Engineering continues to struggle with the underrepresentation of women, and many women who begin engineering programs report feeling isolated or uncertain about whether they belong. A strong sense of belonging has been linked to greater confidence, persistence, and success in engineering. This study examined how early experiences with engineering before college may influence students' sense of belonging later in their undergraduate engineering programs.

Using survey responses from undergraduate engineering students across the United States, this study explored several types of early exposure to engineering, including family influence, school-based engineering and STEM courses, extracurricular programs such as robotics clubs and engineering …

Motivation And Constraints In Recreation Participation Among Children And Adults With Disabilities, Monica Klock

Human Movement Studies & Special Education Theses & Dissertations

This dissertation investigated how motivation and constraints relate to participation in outdoor and community recreation among children with disabilities and adults who are blind or visually impaired. Although outdoor recreation is associated with important physical, psychological, and social benefits, people with disabilities continue to participate at lower rates than their peers without disabilities, and prior work shows that barriers extend well beyond physical access to include structural, interpersonal, and intrapersonal constraints. Drawing on the Constraint–Negotiation Model (CNM) and social cognitive theory, this dissertation addressed gaps in multivariate research and life-course perspectives by examining whether and how motivations, perceived constraints, and …

Autistic Students' Experiences With Hybrid Flexible Instruction In Higher Education: An Interpretive Phenomenological Study, Tracey Nicole Barr

STEMPS Theses & Dissertations

During the twenty-first century, autistic learners have enrolled in colleges and universities in greater numbers; however, the majority of research focused on their experiences in higher education has found them to be less academically successful than their neurotypical peers. The academic skills that autistic students bring to higher education are often tempered by social, emotional, and self-regulative challenges. The body of research focusing on autistic learners’ experiences in higher education is currently limited and focused primarily on fully in-person and online course models. No extant research has focused on autistic students’ experiences with hybrid or blended course models.

This interpretive …

Faculty Conceptualizations Of Recreational Therapy And Disability: Influences On The Formal, Hidden, And Null Curricula In Undergraduate Recreational Therapy Education, Shelly Lynne Beaver

Human Movement Studies & Special Education Theses & Dissertations

Undergraduate education is a bedrock of professional preparation for entry-level recreational therapists, shaping their scope of practice, philosophical orientations, and approaches to service delivery. While significant attention has been given to the development of a formal recreational therapy curriculum – explicitly taught knowledge, skills, and competencies – little is known about the hidden and null curricula that may implicitly or unintentionally shape students’ professional identities, values, and beliefs. While these less explicit curricular dimensions may have profound effects on how preservice recreational therapists conceptualize both recreational therapy and disability, their impact remains largely unknown. Therefore, the aim of this research …

Empirical Rhetorical Modeling: New Analytical Tools To Evaluate The Intensity Of Rhetoric, August Immel

English Theses & Dissertations

Since 2020, the United States has experienced a surge of incendiary rhetoric in contemporary political discourse, which exacerbates societal polarization and incites violence as evidenced by heightened politically motivated attacks. Numerous actors characterize the impetus of such violence as “extreme rhetoric.” No standard definition exists for such a term, and this gap necessitates the central research question of this dissertation, which interrogates how rhetoric can be systematically evaluated for “extremeness.” I propose that the issue of extreme rhetoric can be fruitfully examined from within the context of rhetorical theory, but instead of attempting to create a new definition of “extreme …

Drones In Wildfire Airspace Management: Developing A Scalable Framework For Mid-Sized Cities, Victoria Denise Tanner Williamson

Engineering Management & Systems Engineering Theses & Dissertations

Wildfires are becoming increasingly frequent and severe, creating growing risks for mid-sized communities with limited emergency response resources. The January 2025 Los Angeles wildfires—which burned more than 57,000 acres and destroyed over 18,000 structures—underscore the urgent need to strengthen wildfire response strategies through the integration of unmanned aerial systems (UAS) (Hardy, 2025).

This study develops a scalable framework for drone-assisted wildfire response in resource-constrained environments. Using the city of Waynesboro, Virginia, as a case study, the research examines how mid-sized jurisdictions can integrate unmanned aerial vehicles (UAVs) to improve preparedness, response, and recovery. A three-round, mixed-methods Delphi study engages emergency …

Examining The Relationships Between Apathy Subdomains, Heart Rate Variability And Cognitive Performance, Yasmin Bahai Nabulsi

Psychology Theses & Dissertations

Apathy, defined as a reduction in motivation and goal-directed behavior, is a multidimensional neuropsychiatric syndrome encompassing behavioral, executive, and emotional components. Although heart rate variability (HRV) has been linked to depression and executive functioning, its relationship with apathy remains unexplored. The present study examined associations between apathy subtypes, resting HRV, HR and HRV reactivity, and cognitive performance. A sample of 116 healthy young adults completed self-reported measures of apathy, depression, fatigue, reward sensitivity, and attentional control. Electrocardiography (ECG) was used to assess resting HRV, followed by continuous recording during cognitive tasks, which included the Digit Span Test and a verbal …

Retention During Turbulent Times Of Higher Education: Modeling Intent To Leave Academia For Research University Faculty, Jordan Monroe Ball

Psychology Theses & Dissertations

University faculty operate as the lifeblood of any institution given that their job requires a “double duty” to develop both scholarly research and student minds. Due in large part to these expectations, research shows a long history of poor mental health for faculty, which ultimately results in faculty turnover. One model of faculty work motivation (Padilla et al., 2023) details the way in which the faculty work environment influences their mental health, and subsequently informs their job satisfaction, organizational commitment, and intent to leave academia, which serves as a proxy for turnover. Retention related issues have not been a pressing …

Public Participation In Community Redevelopment Agencies: A Mixed Methods Approach To Understanding The Impacts Of Collaboration In Public-Private Partnerships, Shannon Mcbride-Lewis

School of Public Service Theses & Dissertations

Local governments create community redevelopment agencies (CRAs) to enhance economic and redevelopment opportunities within their communities through public-private partnerships funded with tax increment financing (TIF). The use of increment revenue, the complexity of public-private partnerships, and the controversies surrounding CRAs can lead to community concerns and opposition. Collaboratively engaging the public in the development, implementation, and performance of CRA public-private partnerships is one way to improve program and project outcomes by enhancing engagement, equity, and accountability. This study asks does the level of resources (dedicated professional staff, consequential incentives, and TIF contribution) and formal public-private partnership programs of CRAs influence …

Lgbtq People's Lives Post-Incarceration: A Multi-Method Study, Hayley Jackey

Sociology & Criminal Justice Theses & Dissertations

LGBTQ people are disproportionately targeted by the criminal legal system and overrepresented in the carceral system. Despite current research in queer criminology examining the impacts of the carceral system on the community, there is a dearth of literature examining LGBTQ people’s experiences or identity disclosure once released from the Prison Industrial Complex and into the Prisoner Reentry Industry. Using unique methodologies of photo-elicitation interviews and in-depth interviews, the current study examines how ten formerly incarcerated LGBTQ people navigate returning to society post-incarceration. The study found two distinct experiences. The first group was selective about who they shared their LGBTQ identity …

Exploring The Experiences Of Women In Mental Health Therapy After The Occurrence Of Perinatal Loss, Courtney Allison Nishnick

Counseling & Human Services Theses & Dissertations

Perinatal loss encompasses losses of pregnancies at any gestational age, as well as deaths occurring within one year post-birth. In the United States, around 40 thousand stillbirths and infant deaths occur every year (Ely & Driscoll, 2025; Gregory et al., 2025), with about 23 million miscarriages also occurring annually worldwide (Quenby et al., 2021). Perinatal loss experiences lead to distressing mental health symptoms not limited to anxiety, depression, posttraumatic stress, and grief (Crockett et al., 2019; Wamser & Ferro, 2025). While there is extensive research on perinatal loss as it pertains to medical context, there is minimal research relating to …

Switches And Witches: Exploring The Relationships Between Religious Struggles, Spiritual Beliefs, And Well-Being, Emma J. Trierweiler

Psychology Theses & Dissertations

This study examined the mechanisms between interpersonal and doubt-related struggles and well-being outcomes in a formerly religious sample. The focus of this dissertation was to analyze the mediating roles of disengagement from God and perceived social support. Approach toward God was also examined as a control but not specified to be connected to the well-being outcomes given the emphasis on formerly religious individuals’ experiences. This was a retrospective study, where participants were asked to consider their responses as they relate to the time they were pulling away from religion. Three measures of well-being were explored using structural equation modeling. Positive …

Relating Profiles Of Mental Health And Psychosocial Stressors To Health-Harming Behaviors Among College Students: Differences Across Race And High-Effort Coping, Rachel Ayala Guzman

Psychology Theses & Dissertations

Black Americans experience disproportionately poorer physical health outcomes than White Americans despite often reporting comparable or better mental health, a phenomenon known as the Black–White mental health paradox. High-effort coping (HEC), a culturally relevant coping style characterized by working harder in the face of adversity, has been proposed as a potential factor underlying this paradox. However, little is known about how HEC relates to mental distress and health-harming behaviors among college students, a population at elevated risk for both mental health issues and health-harming behaviors. This study used a person-centered approach to examine profiles of mental distress and psychosocial stressors …

Drinking Group Injunctive Norms: An Event-Level Examination, Karolina Kazlauskaite

Psychology Theses & Dissertations

College students are at increased risk for negative alcohol-related outcomes. Theoretical and empirical support suggest that peer groups play a crucial role in college student alcohol use, in part because they establish normative values and behaviors (i.e., norms) that members follow. Research indicates that those who identify more strongly with a group are more likely to embody that group’s values—particularly regarding drinking. Notably, injunctive norms, or perceptions of peer permissibility toward drinking, predict individual drinking outcomes, such that perceiving one’s peers as more approving confers additional risk for personal drinking. However, prior examinations of injunctive norms have not assessed perceptions …

Structure Meets Context: A Simulation Study Of Centralized And Decentralized Decision-Making In Complex Environments, Murat Balci

Engineering Management & Systems Engineering Theses & Dissertations

The question of when to centralize or decentralize decision-making authority is a foundational problem in organizational theory and management science. Yet existing research often favors decentralized structures, frequently treating them as universally superior, and provides limited guidance on when centralization may be more effective. Leaning toward decentralization without thoroughly exploring options leaves organizational designers without clear direction under varying environmental conditions. This study addresses that gap by developing and applying a simulation-based framework to evaluate the context-dependent effectiveness of centralized and decentralized decision-making structures.

Drawing on contingency theory and decision science, the study conceptualizes environmental complexity along two dimensions: dynamism …

Collegiate Athletes’ And Coaches’ Communicative Constitution Of Resilience: A Case Study, Lillian B. Feder

College of Communication Faculty Research and Publications

Resilience processes are communicative in nature and vital to the wellbeing and success of athletic personnel and organizations. However, the communicative components of resilience-building are largely ignored in sport scholarship and practice. This study seeks to bridge that gap by using the communication theory of resilience as a sensitizing concept to develop a thorough understanding of communicative resilience-building processes in athletics. Semi-structured in-depth interviews with members of a Division I college baseball team were analyzed using thematic co-occurrence analysis. Findings indicate that collegiate athletes and coaches experience resilience-building as a combination of mental toughness (i.e., persistence and discipline) and resourcefulness …

Baseline Nutrition Knowledge And Feasibility Of A Whatsapp-Delivered Nutrition Education Intervention Among California Wildland-Urban Interface Firefighters, Lauren E. Anderson

Master's Theses

Wildland firefighters perform physically demanding work under challenging environmental conditions that place substantial demands on nutritional health and occupational performance. Despite the importance of nutrition in supporting physical performance, recovery, and long-term health, limited research has examined nutrition knowledge and dietary behaviors among California wildland firefighters or evaluated the feasibility of remotely delivered nutrition education interventions within this occupational population. Therefore, the purpose of this pilot study was to assess baseline nutrition knowledge, nutrition self-efficacy, and dietary behaviors while evaluating the feasibility of a 12-week WhatsApp-delivered nutrition education intervention among California wildland firefighters.

Twenty-four firefighters completed the baseline assessment and …

Navigating Undone Science: The Search For Adequate Endometriosis Care, Heather Welty, Melanie Jeske

Center for Medical Ethics and Health Policy Staff Publications

Endometriosis is an estrogen-dependent disease in which tissue similar to the lining of the uterus grows elsewhere in the body leading to a variety of symptoms including heavy and prolonged menstruation, chronic pain, cysts, infertility, and gastrointestinal issues. Despite being one of the most common gynecologic conditions, much remains unknown about potential risk factors for endometriosis, its etiology, and treatment options. First and second-line biomedical treatment options, complementary and alternative medicine, and lifestyle changes are all treatment options that people living with endometriosis (PLE) leverage to manage their symptoms. This article draws on in-depth interviews with 52 people living with …

Social Workers’ Lived Experiences Of Trauma-Informed Training, Ashley Ann Johnson

Walden Dissertations and Doctoral Studies

Social workers report limited formal training in trauma-informed approaches, and implementation of trauma-informed care varies widely across settings, with inconsistent training uptake and organizational support for sustained practice change. The purpose of this qualitative phenomenological study was to explore the lived experiences of social workers in trauma-informed training. The study was guided by trauma-informed care principles and an experiential learning framework. The research question examined how social workers develop trauma-informed competence and how systemic factors influence practice. Data were collected through 11 semi structured interviews with social workers and analyzed using thematic analysis. Three key themes emerged: (a) trauma-informed competence …

Cultural Values, Norms, And Mental Health Service Utilization Among Young Adult Guyanese Immigrants, Rhonis Alfred

Walden Dissertations and Doctoral Studies

Young adult Guyanese immigrants living in the United States often face cultural, familial, and social challenges that influence their perceptions of mental health and willingness to seek professional support. Despite growing attention to immigrant mental health, limited research has explored the experiences of this population. This qualitative study aimed to improve understanding of how cultural values, family dynamics, and acculturation stress influence mental health perceptions and help-seeking behaviors. The theoretical framework underpinning this study was acculturation theory. The research explored how participants navigated cultural identity, family expectations, and adaptation to life in the United States. A purposive sampling strategy was …

Piracy, Terrorism, And The Law: Differential Equations In Hostage Situations, Gabriel Hallevy

Journal of Humanistic Mathematics

Pirates have taken the crew of an American ship hostage. They promise to release the hostages only if another pirate who is held in an American prison for commission of piracy crimes against American citizens, is released. Should the U.S. government enter into negotiations with them? Should they send armed forces and risk the hostages? Should they release the prisoner immediately and unconditionally? The article models and analyzes possible policies regarding sensitive situations involving hostages and other related risks using differential equations. The solutions are surprisingly simple, but not necessarily intuitive. Our analysis aims to demonstrate how powerful mathematics is …

D3.10 Cierre, Cristo Leon, New Jersey Institute Of Technology, Red De Investigadores De Juegos De Rol, The Collaborative For Leadership, Education, And Assessment Research

10mo Coloquio Internacional de Estudios sobre Juegos de Rol

Sesión de cierre del 10mo Coloquio Internacional de Estudios sobre Juegos de Rol, con despedida institucional, presentación del 11 coloquio

D3.08 Mesa Redonda C: Teoría, Lenguaje, Diseño Y Archivo En Los Estudios De Juegos De Rol, Diogo A. Camelo, Jefferson De Moura Saraiva., Ana Paula Trevisani, Maria Eduarda Ribeiro Ferreira, Ana Julia Ferreira Do Nascimento, Arthur Barreira Dos Santos, Juan Manuel Díaz De La Torre, Miguel Ángel Galindo Núñez Dr., Óscar Kaleb Gómez Gutiérrez, Tadeu Rodrigues Iuama, Luiz Falcão, Cainã Tavares Wanzeler, Carlene Ferreira Nunes Salvador, Edgar Ramírez Hernández

10mo Coloquio Internacional de Estudios sobre Juegos de Rol

La Mesa Redonda C reúne contribuciones que examinan los juegos de rol desde perspectivas teóricas, lingüísticas, educativas, hermenéuticas y culturales. Las ponencias abordan el LARP como herramienta para la enseñanza de idiomas, el juego de rol como infraestructura de metacolaboración, la relación entre símbolo, ritual, mecánica y narrativa, la defensa de la autonomía en los estudios de role-play analógico, la traducción especializada en versiones portuguesas de RPG y el ciclo ontológico-hermenéutico como tecnología del yo.

En conjunto, la mesa propone comprender los juegos de rol como prácticas situadas y mediadas en las que lenguaje, diseño, identidad, aprendizaje y producción simbólica …

D3.08 Sesión De Ponencias 7, Wolfgand Enrique Kook Camero, Christian Miguel Rudich De La Rosa, José Abdón Palma-Durán, Gonzalo García Hirt

10mo Coloquio Internacional de Estudios sobre Juegos de Rol

Séptima sesión de ponencias del 10mo Coloquio Internacional de Estudios sobre Juegos de Rol, dedicada a presentaciones académicas organizadas en un bloque temático del programa.

Información de ponencias

Ponente 7.1. Wolfgand Enrique Kook Camero

Título: “Un modelo por competencias para la profesionalización de la dirección de juegos de rol: Diseño, evaluación y certificación”

Ponente 7.2. Christian Miguel Rudich de la Rosa

Título: “Roll for Resolution: Identifying Shared Simulation Mechanics between Model United Nations, Tabletop RPGs and LARP.”

Ponente 7.3.  Dr. José Abdón Palma-Durán.

Título: “Juegos de rol de Diario: Una propuesta para su aplicación en el aula”

Ponente 7.4. …

D3.07 Sesión De Ponencias 6, Yatana Danielle Guerrero Sandoval, Juan David Henao Santa, Francisco Fernando Gallego Escobar, Jackeline Valencia Londoño, Nora Chavez, Clara Fattal, Alejandro Guzmán Vendrell

10mo Coloquio Internacional de Estudios sobre Juegos de Rol

Sexta sesión de ponencias del 10mo Coloquio Internacional de Estudios sobre Juegos de Rol, dedicada a presentaciones académicas organizadas en un bloque temático del programa.

Información de ponencias

Ponente 6.1. Yatana Danielle Guerrero Sandoval.

Título: “Aprender Scrum jugando: diseño de experiencias de rol para la capacitación de equipos ágiles”

Ponente 6.2.  Juan David Henao Santa, Francisco Fernando Gallego Escobar y Jackeline Valencia Londoño.

Título: “Sistema Lúdico-Pedagógico Guacas y Entierros / Hoards and Caches: Diseño de Narrativas, Mecánicas e Interacciones en miniRPGs”

Ponente 6.3.  Nora Chavez y Clara Fattal.

Título: “Un dragón llamado crisis y los aventureros que sobrevivieron: …

D3.06 Comida, Cristo Leon, Comité Organizador, New Jersey Institute Of Technology, Red De Investigadores De Juegos De Rol, The Collaborative For Leadership, Education, And Assessment Research

10mo Coloquio Internacional de Estudios sobre Juegos de Rol

Pausa para comida durante el primer día del 10mo Coloquio Internacional de Estudios sobre Juegos de Rol.