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The Future of Payment Transactions: The Convenience and Security of Mobile Payments
By Shane Cashin
Abstract
This study aims to evaluate the American consumers drive for payment choice. With cash, credit, and debit still covering most of the payment transactions that occur across the country every day, there has been a trend toward the use of mobile payments as the technology improves and more businesses have started to offer these capabilities. We use the Federal Reserve’s Survey of Consumers’ Use of Mobile Financial Services to analyze some of the most recent data pertaining to consumer payment preference in order to evaluate the importance of m-payment accessibility, convenience, comfort, and perceived level of security. Using a logistic regression analysis, this study finds that as one of the primary obstacles preventing the widespread adoption of mobile payments, security does play a major role in the consumers’ decision to use (or not use) mobile payments today.
Faculty Advisor: Grace Kim, PhD.
The Nurture Effect: Like Father, Like Son. What about for an Adopted Child? A Study of Korean-American Adoptees on the Impact of Family Environment and Genes
By Suanna Seung-yun Oh
I investigate the influences of family environment and genes on children’s educational outcomes by working with data on Korean American adoptees and their non-adoptive siblings. I make use of the natural experiment setting where children were quasi-randomly assigned to families. From Sacerdote’s discussion of the three different approaches of analyzing the data, I derive a single-equation model that encompasses the three approaches as a few of its specific cases. The first part of my analysis identifies the causal effect of being assigned to a certain family environment. The second part of my analysis looks into causes of the differences between the educational attainment of adoptees and biological children, adding to the economists’ discussion on the relative importance of nature and nurture.
Advisor: Marjorie McElroy | JEL Codes: J, J12,J13, J24 | Tagged: Adoption, Child Development, Education, Environmental Influence
