Articles tagged with Financial Services
Comprehensive exploration of living organisms, biological systems, and life processes across all scales from molecules to ecosystems. Encompasses cutting-edge research in biology, genetics, molecular biology, ecology, biochemistry, microbiology, botany, zoology, evolutionary biology, genomics, and biotechnology. Investigates cellular mechanisms, organism development, genetic inheritance, biodiversity conservation, metabolic processes, protein synthesis, DNA sequencing, CRISPR gene editing, stem cell research, and the fundamental principles governing all forms of life on Earth.
Comprehensive medical research, clinical studies, and healthcare sciences focused on disease prevention, diagnosis, and treatment. Encompasses clinical medicine, public health, pharmacology, epidemiology, medical specialties, disease mechanisms, therapeutic interventions, healthcare innovation, precision medicine, telemedicine, medical devices, drug development, clinical trials, patient care, mental health, nutrition science, health policy, and the application of medical science to improve human health, wellbeing, and quality of life across diverse populations.
Comprehensive investigation of human society, behavior, relationships, and social structures through systematic research and analysis. Encompasses psychology, sociology, anthropology, economics, political science, linguistics, education, demography, communications, and social research methodologies. Examines human cognition, social interactions, cultural phenomena, economic systems, political institutions, language and communication, educational processes, population dynamics, and the complex social, cultural, economic, and political forces shaping human societies, communities, and civilizations throughout history and across the contemporary world.
Fundamental study of the non-living natural world, matter, energy, and physical phenomena governing the universe. Encompasses physics, chemistry, earth sciences, atmospheric sciences, oceanography, materials science, and the investigation of physical laws, chemical reactions, geological processes, climate systems, and planetary dynamics. Explores everything from subatomic particles and quantum mechanics to planetary systems and cosmic phenomena, including energy transformations, molecular interactions, elemental properties, weather patterns, tectonic activity, and the fundamental forces and principles underlying the physical nature of reality.
Practical application of scientific knowledge and engineering principles to solve real-world problems and develop innovative technologies. Encompasses all engineering disciplines, technology development, computer science, artificial intelligence, environmental sciences, agriculture, materials applications, energy systems, and industrial innovation. Bridges theoretical research with tangible solutions for infrastructure, manufacturing, computing, communications, transportation, construction, sustainable development, and emerging technologies that advance human capabilities, improve quality of life, and address societal challenges through scientific innovation and technological progress.
Study of the practice, culture, infrastructure, and social dimensions of science itself. Addresses how science is conducted, organized, communicated, and integrated into society. Encompasses research funding mechanisms, scientific publishing systems, peer review processes, academic ethics, science policy, research institutions, scientific collaboration networks, science education, career development, research programs, scientific methods, science communication, and the sociology of scientific discovery. Examines the human, institutional, and cultural aspects of scientific enterprise, knowledge production, and the translation of research into societal benefit.
Comprehensive study of the universe beyond Earth, encompassing celestial objects, cosmic phenomena, and space exploration. Includes astronomy, astrophysics, planetary science, cosmology, space physics, astrobiology, and space technology. Investigates stars, galaxies, planets, moons, asteroids, comets, black holes, nebulae, exoplanets, dark matter, dark energy, cosmic microwave background, stellar evolution, planetary formation, space weather, solar system dynamics, the search for extraterrestrial life, and humanity's efforts to explore, understand, and unlock the mysteries of the cosmos through observation, theory, and space missions.
Comprehensive examination of tools, techniques, methodologies, and approaches used across scientific disciplines to conduct research, collect data, and analyze results. Encompasses experimental procedures, analytical methods, measurement techniques, instrumentation, imaging technologies, spectroscopic methods, laboratory protocols, observational studies, statistical analysis, computational methods, data visualization, quality control, and methodological innovations. Addresses the practical techniques and theoretical frameworks enabling scientists to investigate phenomena, test hypotheses, gather evidence, ensure reproducibility, and generate reliable knowledge through systematic, rigorous investigation across all areas of scientific inquiry.
Study of abstract structures, patterns, quantities, relationships, and logical reasoning through pure and applied mathematical disciplines. Encompasses algebra, calculus, geometry, topology, number theory, analysis, discrete mathematics, mathematical logic, set theory, probability, statistics, and computational mathematics. Investigates mathematical structures, theorems, proofs, algorithms, functions, equations, and the rigorous logical frameworks underlying quantitative reasoning. Provides the foundational language and tools for all scientific fields, enabling precise description of natural phenomena, modeling of complex systems, and the development of technologies across physics, engineering, computer science, economics, and all quantitative sciences.
A partnership between University of Copenhagen and Danish Technical University aims to improve Europe's resilience and competitiveness by boosting innovation. The initiative seeks to develop the innovation ecosystem, drive urban development, and attract talent, companies, and investors.
Research from the University of Notre Dame finds that retail investors' buzz can lead to lower future returns, while institutional investors' attention acts as an early signal for higher returns. The study also reveals a bottom-up approach measuring individual stock attention works better than top-down approaches.
Top firms paradoxically fire good workers to maintain reputation and boost profits. Workers accept lower pay temporarily to signal elite status, while those who stay earn higher fees directly from clients. The firm's strategic underpayment of better workers increases profits by creating a stable equilibrium.
A new study reveals that many 401(k) plans include mutual funds with higher fees and lower performance due to revenue-sharing deals with plan administrators. Employees may unknowingly invest in these funds, leading to lost returns over time.
Researchers found critical weaknesses in offline payment systems that can be bypassed to enable fraudulent high-value transactions. The study highlights the need for better coordination between providers to ensure convenience doesn't create new opportunities for fraud.
A new study found that financial advisors' childhood environment significantly predicts their core code of ethics, influencing their professional behavior. The research suggests that cultural norms from their hometown play a significant role in shaping their ethical foundations. This finding highlights the importance of considering the...
Expert research reveals hundreds of thousands of unknowing banking customers could be incorrectly labelled with fraud markers, causing significant stress and hardship. The book highlights the devastating toll of ordinary people being wrongly linked to fraud, often due to third-party errors or fake businesses.
A new study from the University of Vaasa shows that traditional risk models often underestimate extreme events in financial markets. Power-law models offer a more accurate lens to understand financial markets' risk dynamics, revealing sharp rises and crashes are common across equities, commodities, FX markets, and cryptocurrencies.
A new study by Cornell researchers found that VC interest in Black-founded startups peaked after BLM protests, but funding was short-lived. Black-owned startups raised only about a third as much funding as similar non-Black owned startups, even when comparing similar businesses in the same industry, year and state.
A Dartmouth study reveals distinct patterns associated with offshore secrecy, tied to home country governance. Elites from authoritarian countries use a 'confetti strategy,' while those from transparent democracies employ 'concealment' and 'hybrid' strategies to hide assets.
Financial stressors significantly affect relationship happiness, but collaborating on finances can change this. Military couples who budget and make financial decisions together report better interactions with their partners and a stronger relationship.
A new study by Ramesh Rao and colleagues found that subjective financial knowledge (SFK) has a significant impact on retirement readiness. People with higher levels of SFK are more likely to feel confident about their retirement savings.
Researchers at University of Bath warn that underpriced leverage risk could trigger a new banking or credit crisis. Default rates on US leveraged loans are at their highest level in four years, with many borrowers resorting to distressed exchanges.
A study by the University of Texas at Austin reveals that car dealers provide implicit subsidies to subprime borrowers. The dealers incur a loss of an average of $301 when arranging loans for these buyers.
A recent study by International Studies of Economics found that climate policy uncertainty causes stocks to plummet globally, as investors fear damage to economic activity and carbon costs. The study also revealed that rising oil prices have a negative impact on stock returns, except in the Gulf Cooperation Council region and Kuwait.
Researchers found that banks referred for violations are significantly more likely to engage in risk-heavy strategies and speculative lending. Stronger boards with larger and more independent membership can dampen the negative impact of misconduct.
The study identifies two chains of influence - company-centric and owner-centric - highlighting varying power dynamics between asset owners and companies worldwide. By understanding these differences, asset owners can foster stronger ESG shareholder interaction with local companies across different global contexts.
The collaboration aims to accelerate the development and commercialization of inait's innovative AI technology, using its unique digital brain AI platform. It will focus on joint product development, go-to-market strategies, and co-selling initiatives, initially targeting the finance and robotics sectors.
The American Heart Association's webinar will explore the benefits of charitable gift annuities and qualified charitable distributions, helping donors maximize their giving potential while ensuring a reliable income stream. Participants will also gain insights into how to create a lasting legacy for causes close to their heart.
Validaitor offers a unique platform for AI governance, risk management, and automated testing, reducing certification costs by up to 80%. KIT's investment supports the development of trustworthy AI solutions, combining expertise in cybersecurity and energy sectors.
A new study reveals how legal and financial industries enable kleptocracy through deregulation and under-enforcement of the law. This 'enabling' allows elites to offshore wealth, enhance reputations, and influence via philanthropy and politics. The UK's punitive libel regime also facilitates this process.
A study by Washington State University found that ChatGPT struggles with nuanced financial tasks, even when compared to human professionals. The AI model performed well on broad concepts but showed significant inaccuracy on specialized topics such as determining clients' insurance coverage and tax status.
A comprehensive framework for securing mobile money applications has been ratified by the United Nations, marking a significant step toward safer digital financial transactions. The framework includes 120 detailed recommendations and controls to ensure comprehensive protection for users and transactions.
A study published in Journal of Accounting Research finds that conflicts of interest from commercial ties lead to biased ESG ratings. ESG ratings for existing clients increased by 17.16% after the acquisitions, highlighting the need for regulation and investor awareness.
Insilico Medicine has entered into a revolving loan facility of up to US$100 million with HSBC, enabling the company's global expansion and AI-driven innovation in biotechnology. The credit line will support Insilico's proprietary novel drug discovery pipeline and its end-to-end diversified AI platform, Pharma.AI.
A national study found that lower-income residents of states with more generous benefits were less likely to take out new credit cards, personal finance loans, and payday loans. More generous unemployment insurance benefits resulted in a 9.7% lower probability of low-income consumers taking out a new credit card.
Researchers at UMass Amherst discovered a vulnerability in digital wallet security that can be exploited by malicious actors even if the rightful cardholder doesn't use a digital wallet. The study found that banks prioritize convenience over security, leaving users' credit cards susceptible to unauthorized transactions.
A study by Oregon Health & Science University and colleagues finds that private equity firms have expanded to mental health facilities, mirroring growth in other healthcare sectors. The research suggests that these acquisitions may prioritize profits over access for patients.
A proposed reporting system could help prevent future bank crises by providing regulators with detailed disclosure of both good and bad news. The system would shield less risky banks from runs while spotlighting the riskiest ones, protecting them from panic-driven withdrawals.
The study investigates relationships between customer equity drivers and trust in social robots, finding that effective customer service creates value equity. Businesses can benefit from social robots by enhancing relationship equity and brand equity, leading to greater trust and positive customer experiences. However, the negative asp...
A new study found that digital collateral programs lead to positive selection, increased loan repayment, and profitability. Securing loans with digital collateral also increased school enrollment and attendance in developing countries.
A study by City University London found that employees in competitive industries modify their behaviors when facing threats or opportunities from rival firms. For example, replacement riders in MotoGP tend to overtake teammates more often when the team is doing well, suggesting they want to secure a permanent contract.
A study by Carnegie Mellon University found that using alternative data from smartphones is more effective in improving financial inclusion (23% better) and business profitability (42% better) compared to social media data. This approach can help microloan companies adopt cost-effective solutions and offset potential economic loss.
A new study from Bayes Business School found that CEOs' surnames can significantly impact their total compensation by up to 4.9%. The research highlights organizational bias and inefficient contracting decisions based on surname attributes, which can affect talent recognition and rewards.
New research from the University of Bath shows EU MiFID II reforms reduced research activity and affected liquidity in London's main market, but had a positive impact on the Alternative Investment Market. The reforms required brokers to unbundled research costs, leading to a decline in analyst coverage and market liquidity.
Researchers from Pusan National University have developed pricing formulas for vulnerable timer options, which can help reduce investment risks. The study found that these options are more effective than standard timer options in managing credit risk.
New research found that companies are altering their sustainability reports to improve their environmental and social performance metrics, which are tied to CEO bonuses. Only 15% of revisions were reported as due to error, while 69% were attributed to changes in measurement, suggesting manipulation may be occurring.
Research found that DEI initiatives for vulnerable groups, like LGBT and military veterans, affect stock prices differently depending on the presidency. Companies with DEI for these groups saw higher or lower stock returns during Obama and Trump presidencies respectively.
The illegal wildlife trade is a significant financial portfolio that creates state-level security and development risks. Implementing AML laws and sharing intelligence with banks can boost IWT law enforcement. Countries like Singapore, UK, and Australia are making progress in combating money laundering and IWT.
A study of 142 nations found a strong link between access to formal financial services and lower COVID-19 mortality rates. Access to bank accounts, credit cards, or loans from a financial institution is a key predictor of lower mortality risk, even stronger than comorbidities.
The WVU SMARTER center aims to improve mobility in rural areas through self-driving cars, ride-sharing services, and bike sharing. The center will develop infrastructure and technology barriers to ensure accessibility for all people.
A study by researchers at the University of Toronto found that under typical surveillance, about 3% of US companies exhibit financial misrepresentation. However, during a period of heightened scrutiny following the Enron scandal, this rate tripled to 9%, indicating that at least 10% of companies may be involved in fraud.
A new study found that financial coaching for parents of infants in a pediatric primary care setting reduced missed well-child care visit rates by half and improved vaccination receipt. The intervention, which connected parents to public benefits and cost-saving services, also increased monthly household income.
Researchers found that giving donors control over charitable project allocation increases donations and loyalty. Donors who value agency are more likely to be loyal, active, and generous, increasing fundraising effectiveness.
A new study found that customers from underrepresented racial and ethnic groups rated poorer quality service less negatively than white consumers. This suggests that relying solely on customer surveys to improve service may not be effective in addressing discrimination.
A new study co-authored by Bayes Business School found that larger public companies suffer from loss of innovation and lower share price value when managers are permitted to take decisions in their own self-interest. The study examined the effects of waiving fiduciary duties on R&D investment, finding a significant decline.
Research from the University of Kansas found that financial capability can predict positive health outcomes, with higher levels associated with better health measurements. The study highlights the importance of considering both individual financial skills and access to resources in improving population health.
A new study by University of Arkansas researchers found that the firms experiencing greater returns around the date of senator's purchase disclosure have direct jurisdiction over them through a committee assignment or sponsorship. This suggests investors' perception of senators trading on inside information may be inaccurate over time.
A UK trial found that offering up to £400 in shopping vouchers to pregnant women can more than double the proportion who remain smoke-free by late pregnancy. However, most women relapsed after giving birth. The study suggests that financial incentives can be an effective tool to reduce smoking during pregnancy and improve health outcomes.
A study by the Radiological Society of North America found that health insurance companies often pay more than necessary for radiology services, leading to higher premiums and out-of-pocket costs. The study also suggests that radiologists can play a key role in delivering high-quality, low-cost care to patients.
The share of female managers in finance has increased significantly in Finland, but their earnings remain lower than those of male managers. Occupational segregation and differences in educational backgrounds contribute to this disparity. Despite the industry's high wage premium, women are underrepresented in higher-paying roles.
The new initiative aims to create more equitable digital financial services, expanding access to mobile money and other services for low-income earners and marginalized communities. The Upanzi Network will leverage research and academia across the continent to develop secure and cost-effective open-source digital technologies.
Researchers found that specialized ETFs invest in overvalued areas with an average return about 30% lower than diversified funds. These hot-topic funds are often launched when the hype is at its peak, causing them to lose value quickly.
Patients who received early physical therapy had significantly lower incidence of health care resource use, including ER visits, in the first month and year after symptom onset. They also spent less money on lower back pain-related services in the first 30 days after symptom onset.
A new funding model is being tested in Pennsylvania, which could lead to higher quality care at lower costs. The global budget model provides a fixed payment to hospitals, incentivizing them to focus on patient outcomes rather than extensive care.
The study examines four CSR dimensions and their impact on institutional investment in the hospitality and tourism sector, finding strong reactions to performance in social awareness and corporate governance. Environmental concerns have limited bearing on institutional investment in this industry.
Alternative credit scoring systems present challenges not covered by existing regulations, leaving many Americans unable to access the credit system. These systems can be opaque and ripe for abusive lending practices, making it difficult for consumers to contest erroneous information.
Researchers found traders prefer larger companies with strong analyst coverage and a greater ability to convert their shares into cash. They actively traded on firms where both hard and soft information gave similar signals about the future.
A new study found that a higher minimum wage was associated with fewer people defaulting on their rent payments, particularly among those at the lower end of the housing expense market. However, landlords responded by increasing rent payments, offsetting some but not all of the increased income.
A new study suggests that digital financial services, intended to reduce inequality, may actually amplify economic disparities among women in developing countries. The study found that physical infrastructure, mobile phone network quality, education, and wealth all play a significant role in determining access to digital finance.