We use transaction data from an account aggregation company to study the impact of access to personal financial information from mobile devices on consumer behavior. We study consumers who installed the mobile app after using the app from a PC for several months. We utilize the gradual release...

We outline an education-career investment model structured for customizable, just-in-time delivery. Our initiation of this evolutionary model results in a pilot application for which we include associated technical details. We suggest how a FinTech collaboration can leverage the power of...

Policy makers are increasingly concerned about the combination of market power and massive data collection in digital markets. This concern is fueled by the theoretical prediction that more market power causes firms to collect ever more data from their users. We investigate the relationship...

M(obile)-Apps are programs used by mobile devices (smartphones, tablets, smartwatch, …), now widespread, for various uses (system operation, chat, games, social networks, geolocation, e-commerce ...), available for download on unique digital platforms (store). Their legal and fiscal framework...

This paper provides a brief analysis on risks associated with the Mobile Financial Services (MFS). In current context where the position of mobile phone has strengthened in the financial services value chain, MFS have become popular and convenient way of making payments. Risk management...

We document the effects of the COVID-19 pandemic on digital finance and fintech adoption and usage. Drawing on mobile application data from 71 countries, we estimate that the spread of COVID-19 and related government lockdowns led to between a 33.1 and 36.6 percent increase in the relative rate...

Purpose Gamification is a tool with great potential to motivate individuals to increase their physical activity. That is why sport apps for mobile devices, such as Nike+ or Strava, have integrated game elements. There is, however, little evidence of gamification's effectiveness in this field....