This article examines potential consumer harm that may arise due to regulating modern financial services communication technology with rules written in the early 20th century. It is argued that disparities in record keeping regulation across communication mediums disincentivizes the use of technology capable of generating records for consumer…

This study examined a conceptual model on the intention to adopt NFC-based mobile payment that incorporates financial experiences and beliefs. NFC refers to Near Field Communication, a new technology in mobile payments. From an online experimental survey of 463 U.S. young adults, this research found consumers who used cards among their payment…

New technological developments, such as 5G networks, smart and interconnected devices, and the development of the Internet of Things (IoT), lead to a new reality in which the secure flow of data is non-negotiable. In this new reality, blockchain technology can play a crucial role, as it has the ability to provide the necessary background for the…

"American Student Assistance" has a unique window onto students during some very important milestones in their formative financial years. This nonprofit interacts with students from the time they're choosing a college, to applying for financial aid and loans, to starting a first job, getting that first apartment, making that dreaded…

With Washington trapped in budget battles and partisan gridlock, cities have emerged as the best source of government innovation. Nowhere is this more visible than in New York City. Since taking office in 2002, Mayor Bloomberg has introduced a steady stream of innovative policies, from a competition to recruit a new applied sciences campus and a…

These proceedings contain the papers of the 16th International Conference on Cognition and Exploratory Learning in the Digital Age (CELDA 2019), held during November 7-9, 2019, which has been organized by the International Association for Development of the Information Society (IADIS) and co-organised by University Degli Studi di Cagliari, Italy.…

Describes four successful cost-containment initiatives of the Midwestern Higher Education Commission, which was established to advance higher education in the Midwest through interstate cooperation. Projects include development of Academic Scheduling and Management Software; Internet-based activities; the Virtual Private Network, to reduce…

Rural areas of the developing world are the last frontier of the information technology revolution. Telephone and internet penetration there remains a small fraction of what it is in the developed world. Limited means of electronic communication with the outside world are just one source of isolation of rural communities and economies from the…