Individual behaviors and technologies for financial innovations / edited by Wesley Mendes-Da-Silva.

Chapter 1. Introduction -- Chapter 2. Gender Differences and Automobile Insurance Acquisition -- Chapter 3. Economic crisis and Saving Behavior -- Chapter 4. A Financial Literacy Model for University Students -- Chapter 5. Credit Card and Financial Well-Being Among Females -- Chapter 6. Income Distribution and Duration of Poverty-level Employment -- Chapter 7. Financial Literacy and Informal Loan -- Chapter 8. Credit Card Risk Behavior in a High Interest Rate Context -- Chapter 9. Geographic Distance and Reward Crowdfunding Donation -- Chapter 10. Informal Financing of Chinese Entrepreneurs in a Western Environment -- Chapter 11. Diversification and Performance of Credit Unions -- Chapter 12. Transactions Among Friends -- Chapter 13. Corporate Sustainability, Capital Markets and ESG Performance -- Chapter 14. Board of Directors and Corporate Networks -- Chapter 15. Corporate Disclosure via Internet and Implied Cost of Capital -- Chapter 16. Stock Exchange Listing and Capital Budgeting Practices.

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 to 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, and 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.