Just-in-Time Adaptive Interventions (JITAIs) are envisioned to harness rich data on users' contexts. However, many JITAIs fall short in leveraging the value of while sculpting interventions. Investigating literature reveals a lack user-centered design (UCD) methods designing JITAIs. Our case study applying UCD process revealed that even without deploying JITAI, could uncover user interactions i...

Appropriate Questions:  What are you looking for in a summer intern? (then be prepared to demonstrate how you fit those desired skills)  What has been your most interesting case/project in the past year?  What drew you to this employer/what was your path to this organization/firm?  I spoke with ______, the Michigan student who worked here two summers ago, and s/he said (fill in positive asp...

We exploit the 2011 EBA Capital exercise, a quasi-natural experiment that required number of banks to increase their regulatory capital. This makes secured lending for affected more attractive vis-à-vis unsecured lending, because loans require less Using loan-level data covering universe bank in Portugal, we identify how collateral on new when facing higher capital requirements: relative contro...