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.
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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 new study suggests that outpatient treatment for infective endocarditis can reduce mortality rates, extend life expectancy, and be more cost-effective than standard inpatient therapy. The strategy also showed improved cure rates compared to other approaches.
A recent study by Bayes Business School suggests that accounting firms are better equipped to deliver fair target valuations on mergers and acquisitions compared to investment banks. The research highlights the importance of auditing expertise in determining a company's true value.
Research from Thomas Shohfi at Rensselaer Polytechnic Institute found that sell-side analyst reports contain more activist-related language and quantitative information months before hedge fund activists announce their ownership. This is associated with greater stock returns for firm shareholders, highlighting the value of traditional ...
Researchers at Pusan National University have developed a new model using 'double Mellin transforms' and the 'method of dimension reduction' to accurately price vulnerable exchange options. The model provides an effective and accurate mathematical solution, enabling quick deployment without long calculations.
A new study shows that California's legalized marijuana industry has boosted financial institutions' assets and loan activity, but restricted access to banking perpetuates inequities for licensed growers. The research highlights the need for regulatory changes to create new opportunities for both industries.
A new study from the University of Notre Dame finds that companies' disclosures about auditor firings are useless for assessing whether restatement trouble lies ahead. Instead, researchers recommend investors pay attention to when the disclosure comes out, with firings after the second fiscal quarter signaling an above-average chance o...
A new approach to measuring financial and digital literacy is proposed by a team of researchers led by Angela Lyons. The study finds that while promoting literacy is important, it may not be enough to ensure resilience, particularly for vulnerable groups such as women and those living in poverty.
A new study from the University of Illinois evaluates fintech systems in 16 emerging markets, finding that digital technologies improve access to financial services. However, vulnerable populations face barriers to usage due to digital literacy, cost, and limited consumer protections.
Research by City University London's Business School reveals that fund managers who start their careers in difficult economic conditions perform better over the long-term. They exhibit better market timing and tilt their investments towards defensive industries during tough times.
The Center for Research toward Advancing Financial Technologies, CRAFT, brings together industry and academic partners to conduct high-impact research in fintech. Initial research areas focus on cybersecurity, blockchain, AI, and machine learning, aiming to drive innovation and address challenges facing the financial services industry.
A new benefit has been implemented, allowing eligible Veterans to receive urgent care from community providers. The study found that most Veterans who used the service lived within 30 minutes of a VA primary care site and had no copays for urgent care visits.
Researchers found that moving baseline targets is a key driver of increasing budgets for federal government technology programs. However, componentizing programs into smaller work units and increasing competency in program management can result in significant cost savings.
A new study assesses consumers' likelihood of adopting robo-advisory services, which provide automated investment advice. The analysis reveals that attitudes across cultures shape differences in local consumers' adoption of AI-based services.
A study by Indiana University researchers found that satisfied customers mean increased profits for public utilities, despite lack of competition. This is achieved through lower operating costs and increased trust from customers. The findings suggest that regulators should view investments in customer satisfaction as recoverable costs.
A qualitative study found that women veterans prioritize connection with others to recover from a suicide attempt, while men focus on trying to 'live right' and feeling needed. Both groups desire a stronger sense of purpose and structure in their lives.
A recent study from the University of Notre Dame found that audit offices that emphasize non-audit services tend to compromise on audit quality. The researchers examined financial statement restatement rates for clients of audit offices between 2005 and 2015, and discovered a significant reduction in audit quality when an office receiv...
The study explores the rise of click-and-collect services and examines their most appropriate settings. It finds that different formats address fundamentally different shopper needs, resulting in vastly different performance outcomes.
Researchers found that many small farmers lack internet and mobile network access due to high costs and limited coverage. The study highlights the need to expand coverage and make digital connectedness affordable for all, particularly in Africa.
ESEC/FSE 2020, a leading software engineering conference, presents outstanding research results and trends in virtual format. The conference features keynote addresses on human-computer collaboration, diversity, and inclusion initiatives.
The study highlights the low awareness of foreigners about Russian medical services, lack of language-skilled staff, and limited resources as major obstacles. Experts recommend improving personnel and equipment, informing potential patients, and promoting clinics through word-of-mouth and online platforms to boost medical tourism in Ru...
A new study by INFORMS journal found that businesses using Twitter for customer care see a 19% increase in customer satisfaction. AT&T and Verizon top the list, with Sprint and T-Mobile lagging behind.
A new study found that independent, physician-owned practices adopted more quality improvement (QI) strategies than hospital-owned and community clinics. These practices focused on patient care coordination rather than organizational improvement strategies.
A new study projects that 3.1 billion people will still lack effective health service coverage in 2023, falling short of the WHO goal. Sub-Saharan Africa showed accelerated gains in performance since 2010.
A bioethicist suggests that COVID-19 triage strategies should focus on saving lives rather than prioritizing life-years saved. This approach would give priority to patients with a better initial survival prognosis, regardless of subsequent life-years gained.
The COVID Recession has disproportionately affected workers with disabilities, with a 20% decline in employment for those with disabilities compared to a 14% decline for those without disabilities. The FAIR program in Louisiana is helping formerly incarcerated individuals with disabilities access services and supports.
A new study suggests that appreciating consumers' merits and contributions can increase self-esteem, leading to higher overall satisfaction, repatronage intentions, and less complaining. The researchers identify specific situations where the superiority effect of appreciation holds or disappears.
George Mason University's Todd J. Zywicki has received $226,944 from the CFPB to lead a task force on harmonizing and updating federal consumer financial laws. The project aims to improve and strengthen consumer financial laws and regulations by end of 2020.
Researchers at Johns Hopkins Medicine have proposed five quality measures for medical billing, including itemized bills, price transparency, and service quality. The measures aim to reduce financial toxicity and promote transparency, enabling patients to make informed decisions about their healthcare costs.
Despite initial efforts to improve patient outcomes through integrated care, a recent study found that Accountable Care Organizations (ACOs) face significant challenges in integrating social services into their medical practices. The researchers identified limitations in data collection and partnership development as major obstacles.
A recent CMAJ editorial emphasizes the importance of investing in social equity to address health disparities among low-income individuals. The authors highlight the persistent gaps in healthcare access and outcomes according to income, which result from poverty's association with various social determinants of health.
A new RAND Corporation study finds that households in the bottom fifth of income groups pay an average of 33.9% of their income toward health care, while families in the highest income group pay 16%. The analysis also reveals that payments to finance health care account for 18.7% of average household income.
Dr. Robert Kormos, MD, and Rob Wynbrandt, JD, receive the 2020 Distinguished Service Award for their decades-long selfless dedication and leadership in cardiothoracic surgery. They have contributed to the growth and success of The Society of Thoracic Surgeons and its patients.
New research reveals that collective leadership groups in professional service firms can maintain cohesion and act decisively when faced with a crisis. The study found that an individual 'heroic' leader within the collective played a crucial role in resolving the crisis, with the Senior Partner mobilizing a hidden hierarchy to build su...
Research shows that collaborating on waiting area entertainment can increase revenue and customer loyalty. By working together, businesses can offset high operational costs and compete on other dimensions like prices.
David Coleman, MD, will receive the Robert H. Williams, MD, Distinguished Chair of Medicine Award from the Association of Professors of Medicine (APM) for his exceptional leadership as chair of the Department of Medicine at Boston University School of Medicine and physician-in-chief at Boston Medical Center.
The employment-to-population ratio for working-age people with disabilities increased from 30.7% to 31.2% in November 2019, reflecting a 1.6% rise. This uptick is attributed to initiatives like NYC: ATWORK, which connects jobseekers with disabilities to competitive jobs in high-growth industries.
A study by the UBC Sauder School of Business found that customer mistreatment significantly links to employee quit rates. When supervisors treat employees with dignity and respect, workers are more likely to stay in their jobs.
This study analyzes the performance of Russian and foreign- owned banks from 2004 to 2015, finding that state-owned banks excel during economic crises but lag behind in profit efficiency. In contrast, foreign-owned banks thrive in stable periods, thanks to better management practices.
The PROMISE program demonstrates the importance of family engagement, early work experiences, and targeted case management services in improving employment outcomes for youth with disabilities. The six-year experiment showed that evidence-based employment services delivered through coordinated case management are significant predictors...
A new study published in the Milbank Quarterly found that federal proposals to limit Medicaid funding through block grants or per-capita caps would severely impact community health centers. Under these plans, health center revenues generated by Medicaid beneficiaries would drop by 92% and 58% for traditional enrollees by 2024.
The University of Texas Health Science Center at Houston is partnering to enhance Texas Adult Protective Services' financial exploitation investigations and client services. The three-year grant will provide statewide access to forensic accountants and enhanced training for caseworkers to investigate claims of financial exploitation.
The employment-to-population ratio for working-age people with disabilities remained unchanged at 31.4 percent in September 2019, while the labor force participation rate decreased by 1.2 percentage points. Financial instability is a significant issue for people with disabilities, with many struggling to make ends meet.
A Dartmouth report finds nearly half of newborns in NICUs are normal birth weight, but many low-birth-weight babies lack access to higher-level care. This disparity highlights the need for more equitable distribution of neonatal intensive care resources.
A recent study by Lancaster University suggests that streaming services need to prioritize family collaborations and personalized viewing experiences to maintain customer loyalty. Families who work together to choose TV packages, master technologies, and plan viewings derive more value from their subscriptions.
A new study by San Francisco State University Professor Ian Dunham finds that school savings accounts have lower savings rates in low-income neighborhoods with limited access to traditional banks and credit unions. These areas, dubbed 'financial deserts,' struggle with high fees from fringe financial services providers.
A Veterans Health Administration program significantly improved access to mental health and primary care services for veterans with behavioral health needs. The initiative resulted in 11% more mental health visits, 40% more primary care visits, and a 9% higher average annual cost per patient.
A global payment model has slowed spending growth on medical claims by nearly 12% while improving quality of care, particularly for patients with chronic diseases. The study found that patients received improved preventive care and management of conditions like diabetes and high blood pressure.
Researchers found that ACOs with a balance of primary care providers and specialists had lower annual spending per beneficiary. The study suggests policymakers consider adding medical specialists to ACO governance and creating better financial incentives for specialists.
The employment-to-population ratio for working-age people with disabilities increased from 29.5% in June 2018 to 31% in June 2019, up 1.5 percentage points. The labor force participation rate also rose, indicating greater independence and financial support for individuals with disabilities.
A new model developed by Dr. Len Nichols and Lauren Taylor helps communities develop skills and resources needed to finance social and health services, aiming to improve cost and health outcomes. The Collaborative Approach to Public Good Investment (CAPGI) model provides specific tactics for sustainable financing of healthy opportunities.
A national study led by University of Washington professor Alexes Harris reveals the disproportionate impact of court-imposed fines and fees on low-income individuals and people of color. The study highlights how private companies profit from a captive population while government agencies direct them.
A recent study by the University of Washington found that private companies are profiting from the forced participation of individuals in the justice system. The research highlights the need for policymakers to develop transparent oversight to ensure that private arrangements do not impose undue burdens on those involved.
The CASA program will stimulate investment in emerging agri-markets, benefiting 565,000 smallholders with increased incomes up to £80/year. The initiative also focuses on empowering women farmers and promoting sustainable farming practices.
A survey of 15 successful ECMO transport programs reveals variations in organization, team structure, and certification process. The study emphasizes the need for international standards and accreditation to ensure high-quality care.
An investigation by The BMJ found that many NHS trusts are keeping secret details of their partnerships with drug companies, despite official guidance for transparency. Joint working arrangements between the NHS and industry have spent over £7.5m on projects such as ADHD medication reviews and age-related macular degeneration treatments.
A study found that paying patients to use lower-priced medical providers can reduce healthcare spending by an average of 2.1%. The program offered a cash reward to patients who used lower-priced providers, resulting in a 4.7% decrease in MRI prices, 2.5% decrease in ultrasound prices, and 1.7% decrease in mammogram prices.
A new report suggests that incentivizing downsizing for 'last-time buyers' aged 55+ can ease the UK's housing crisis. The report highlights the role of financial services in expanding mortgage offerings and insurance policies to help older people monetize their housing wealth, thereby funding retirement and covering care costs.
A major Arizona health system implemented financial turnaround process focusing on improving productivity, efficiency, and revenue. By end of 2018, the system achieved a financial turnaround of over $150 million through price transparency initiatives.
A study found that hospitalizations among homeless adults have risen sharply, with 52% hospitalized for mental illness or substance use disorder. The authors suggest that limited access to behavioral health services and aging of the homeless population may contribute to this trend.
Researchers found that supplementing telephone counseling with access to nicotine-replacement patches and moderate financial incentives significantly improves smoking cessation outcomes in the Medi-Cal population. The study also suggests that modest financial incentives can be an effective intervention for low-income populations.