user financial incentives (ufis) have emerged as a powerful tool for health promotion. strong evidence suggests that large enough incentives paid to individuals, conditional on behaviour they can control, encourages more of the desired behaviour. however, such interventions can have unintended consequences for non-targeted behaviours. implementation difficulties that result in individuals not u...

We develop an algebraic framework for the description and analysis of financial behaviours, that is, behaviours that consist of transferring certain amounts of money at planned times. To a large extent, analysis of financial products amounts to analysis of such behaviours. We formalize the cumulative interest compliant conservation requirement for financial products proposed by Wesseling and va...

This thesis introduces a financial simulation model covering two related financial domains: Mobile Payments and Retail Stores systems. The problem we address in these domains is different types of fraud. We limit ourselves to isolated cases of relatively straightforward fraud. However, in this thesis the ultimate aim is to introduce our approach towards the use of computer simulation for fraud ...

In this paper a circuit (physical system), implementing a financial system with time-delayed feedbacks, is designed and studied. The simple form of this dynamical system, without any time-delayed feed, has been already investigated and was found to demonstrate both a periodic and chaotic behavior. By introducing the time-delayed feedback, according to the Pyragas method, control of the circuit’...

The objective of this study is to assess whether financial deregulation has had a statistically significant effect on Irish consumption behaviour. Specifically, the study asks whether financial deregulation has affected consumption behaviour by reducing liquidity constraints. Formal stability tests are used to test for diminished liquidity constraints as indicated by a decrease in the excess se...

This study examined the influence of financial literacy and technology on behaviour high school teachers in an emerging economy. The use comes with widely documented advantages, however, increasing diversity products available is found to have complicated many people economies. availability information has made it easier for make irresponsible decisions, which resulted higher levels debt. While...

The high cost of living and prolonged lockdowns due to the COVID-19 pandemic made financial well-being individuals vulnerable, especially young adults. This paper examines impact behaviour on (FWB) among Malaysians during pandemic. study collected variable data literacy, behaviour, socialisation, self-control, technology FWB. To collect a representative sample Malaysian adults, multi-stage rand...

A merger that fails to adequately address technology integration and its consequent impact on employee IS behaviour is almost doomed from the start. The theory of planned behaviour, a widely accepted expectancy-value model of attitude–behaviour relationship, suggests an individual s behaviour is determined by attitudes toward behaviour, subjective norm, and perceived behaviour control. This pap...

A distinguishing feature of the intra-day time-varying volatility of financial time series is given by the presence of long-range dependence of periodic type due mainly to time-of-the-day phenomena. In this work we introduce a model able to describe the empirical evidence given by this periodic longmemory behaviour. The model, named PLM-GARCH (Periodic Long Memory GARCH), represents a natural e...