Big Tech and Consumer Payments: the Good, the Bad, and the Unintended Consequences
Download Journal Article Abstract “Each stage of the American banking industry history demonstrates the interlinkage of finance and technology…” Our era is no exception. The financial services industry has taken advantage of Big Tech to transform consumer payments. This article describes some of these changes and how they have resulted in positive, negative and […]
Factors That Influence Willingness to Commit Insurance Fraud
Download Journal Article ABSTRACT Insurance fraud increases premiums for all U.S. households and undermines the insurer/insured relationship. This article examines willingness to commit insurance fraud using data from an online survey completed by 1505 U.S. adults and analyzed using multiple linear regression analysis. Roughly one-half of the sample would never commit any of the nine […]
New Developments in Payment Systems and Services Affecting Low-Income Consumers: Challenges and Opportunities
View Report Advances in digital technology have transformed consumer financial services, including peer-to-peer (P2P) payment platforms like Venmo and Zelle, fintech lending, and cryptocurrency. While these innovations offer greater convenience and efficiency, they also pose significant challenges for low-income consumers. Many in this group lack access to essential tools like internet connections, smartphones, or bank […]
The Impact of Value‑Based Payment Models for Networks of Care and Transmural Care
Download Journal Article Abstract Introduction Value-based healthcare has potential for cost control and quality improvement. To assess this, we review the evidence on the impact of value-based payment (VBP) models in the context of networks of care (NOC) and transmural care. Methods We used the PRISMA guidelines for this systematic literature review. We searched eight […]
Financial literacy and education: What we know and still need to learn
Download Journal Article Abstract This article provides a high-level overview of the 32 chapters in The Routledge Handbook of Financial Literacy. Among the observations are the importance of the definitions researchers and educators choose to guide their work in financial literacy, the importance of measurements that are consistent with the definitions, and the importance […]
Integrating nutrition and food safety in food systems policy and programming
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A Rose Is A Rose: Electronic Commerce Spawns Word Confusion
Download Journal Article According to Shakespeare, “[a] rose by any other name would smell as sweet.” Congress has enacted many statutes to protect consumers; however, courts and agencies have struggled to determine whether those laws still apply when sellers offer the same basic service through new electronic methods using terminology different from that found […]
The Misuse of Product Misuse: Victim Blaming at Its Worst
Download Journal Article Abstract This Paper addresses the legal consequences that surface when a consumer uses a product in a manner not specifically intended by that product’s designer or manufacturer. If a product is used in a reasonably foreseeable manner, the fact that the use is at odds with a manufacturer’s intention should not be […]
Touching, Tapping, and Talking: The Formation of Contracts in Cyberspace
Download Journal Article Abstract Technology has transformed the consumer marketplace. It has radically changed the way consumers enter into contracts for goods and services. Part II of this Article provides the broader context in which online contracting occurs, describing the general electronic environment that technology has made possible, including its costs as well as its […]
Measuring and improving the quality of mental health care: a global perspective
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