Individual Behaviors and Technologies for Financial Innovations

1. Front Matter

   Pages i-xxvi

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2. Financial Innovation in the Personal Level

   1. Front Matter

      Pages 1-1

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   2. Introduction: The Context of Financial Innovations

      • Wesley Mendes-Da-Silva

      Pages 3-23

   3. Gender Differences and Automobile Insurance Acquisition

      • Edimilson Costa Lucas, Wesley Mendes-Da-Silva, Angela Christine Lyons

      Pages 25-45

   4. Economic Crisis and Saving Behavior

      • Israel José dos Santos Felipe

      Pages 47-67

   5. A Financial Literacy Model for University Students

      • Kelmara Mendes Vieira, Ani Caroline Grigion Potrich, Wesley Mendes-Da-Silva

      Pages 69-95

   6. Credit Card and Financial Well-Being Among Females

      • Danilo Braun Santos, Wesley Mendes-Da-Silva, Jill M. Norvilitis, Eduardo da Silva Flores

      Pages 97-116

   7. Income Distribution and Duration of Poverty-Level Employment

      • Danilo Braun Santos, Alexandre Ribeiro Leichsenring, Naercio Aquino Menezes Filho, Wesley Mendes-Da-Silva

      Pages 117-141

   8. Financial Literacy and Informal Loan

      • Danilo Braun Santos, Wesley Mendes-Da-Silva, Lauro Gonzalez

      Pages 143-165

   9. Credit Card Risk Behavior in a High Interest Rate Context

      • Wesley Mendes-Da-Silva

      Pages 167-185

3. Financial Innovation in the Small Business Level

   1. Front Matter

      Pages 187-187

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   2. Geographic Distance and Reward Crowdfunding Donation

      • Wesley Mendes-Da-Silva, Luciano Rossoni, Eduardo Francisco, Cristiane C. Gattaz

      Pages 189-214

   3. Informal Financing of Chinese Entrepreneurs in a Western Environment

      • Wesley Mendes-Da-Silva

      Pages 215-237

   4. Diversification and Performance of Credit Unions

      • Laís Karlina Vieira, Valéria Gama Fully Bressan, Aureliano Angel Bressan

      Pages 239-262

   5. Transactions Among Friends

      • Wesley Mendes-Da-Silva

      Pages 263-283

4. Financial Innovation in the Corporate Level

   1. Front Matter

      Pages 285-285

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   2. Corporate Sustainability, Capital Markets, and ESG Performance

      • Alexandre S. Garcia, Wesley Mendes-Da-Silva, Renato J. Orsato

      Pages 287-309

   3. Board of Directors and Corporate Networks

      • Wesley Mendes-Da-Silva

      Pages 311-336

   4. Corporate Disclosure via the Internet and Implied Cost of Capital

      • Wesley Mendes-Da-Silva, Daniel Reed Bergmann

      Pages 337-361

   5. Stock Exchange Listing and Capital Budgeting Practices

      • Wesley Mendes-Da-Silva, Richard Saito

      Pages 363-383

This book offers comprehensive examination of research on the relevance of individual behavior and technology to financial innovations. The chapters cover current topics in finance including integrated reporting, people finance, crowdfunding, and corporate networks. It provides readers with an organized starting point to explore individual behaviors and new technologies used in financial innovations. The explicit and growing speed of the spread of new technologies has hastened the emergence of innovation in the field of finance. Topics like the Internet of Things, semantic computing and big data finance are motivating the construction of financial tools that translate into new financial mechanisms. This book strives help readers better understand the dynamic of the changes in financial systems and the proliferation of financial products.

Individual Behaviors and Technologies for Financial Innovations is organized in 16 chapters, organized in three parts. Part I has eight chapters that review the research on gender differences in attitudes about risk and propensity to purchase automobile insurance, financial literacy models for college students, wellness and attitude of university students in the use of credit cards, impact of programs income distribution and propensity to remain in employment, financial literacy and propensity to resort to informal financing channels, risk behavior in the use of credit cards by students. Part II reviews the research on financing for startups and SMEs, exploring funding through crowdfunding platform, operating credit unions, and using networks of friends to finance small businesses outside the domestic market. The four chapters of Part III describe contexts of financial innovation in listed companies, including society's demands on their behavior - we discuss motivations for companies to participate in corporate sustainability indexes, corporate performance through their profile of socially responsible investments, influence of networks of social relations in the formation of boards, and management of companies, and also the precariousness of financial decisions in large companies, as well as the role of the internet in corporate communication with the market.

• Financial Innovation
• Corporate Finance
• Personal Finance
• Capital Markets
• Corporate Networks
• Crowdfunding
• Big Data Finance
• Semantic Computing
• Sustainability Index
• Diversification of Revenues
• Financial Performance
• Process Innovations

• Sao Paulo School of Business Administration (FGV/EAESP), Sao Paulo, Brazil

  Wesley Mendes-Da-Silva

• University of Texas at Austin, Austin, USA

  Wesley Mendes-Da-Silva

Wesley Mendes-Da-Silva is a Visiting Professor of Business Finance at University of Texas at Austin. He has academic and professional expertise in corporate governance mechanisms, and in corporate and personal finance. Currently, he is actively involved in a graduate program on financial management at one of the most prestigious and accredited Business Schools in South America, São Paulo School of Business Administration of The Fundação Getulio Vargas (FGV /EAESP ) at São Paulo/Brazil. His main research interests include funding mechanisms such as crowdfunding, financial innovation, behavioral finance, as well as corporate governance. Wesley has collaborated with many academic, professional and governmental institutions from Brazil, Portugal, USA, Italy, UK, Australia, Mexico, Chile, Norway, and France. He also has collaborated with different board of directors of listed and non listed companies and governments in different spheres.

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