A theory of financial services competition, compliance and regulation

Information Technology and Financial Services Competition

We analyze how two dimensions of technological progress affect competition in financial services. While better technology may result in improved information processing, it might also lead to low-cost or even free access to information through, for example, informational spillovers. In the context of credit screening, we show that better access to information decreases interest rates and the ret...

a tripartite model of efl teachers attributions, burnout, and ‎self-regulation: towards the prospects of effective teaching

همطالعه حاضر به ارائه مدلی برای آموزش موثر زبان انگلیسی ‏می پردازد. مدل حاضر از سه عامل تاثیر گذار در کارایی ‏تدریس معلمان زبان انگلیسی بهره می برد. این سه عامل شامل ‏سبکهای اسنادی، خود تنطیمی و فرسودگی شغلی معلمان ایرانی ‏زبان انگلیسی می باشد. رساله مورد نظر درچهار فاز طراحی ‏شده است: فاز اول شامل طراحی و رواسازی پرسشنامه سبکهای ‏اسنادی معلمان زبان انگلیسی و فاز دوم شامل استفاده از ‏این پرسشنا...

financial regulation and general agreement on trade in services (wto)

optimal level of regulation and regulatory reform seem to be an undisputed objective . however, in the context of financial regulation there are differences and disagreements over the optimal level of disclosure of information and capital adequacy standards. in this paper, instead of offering a substantive solution , we argue for a competitive process through which the optimal level of disclosu...

Behaviorally Informed Financial Services Regulation

Competition and Regulation in Wireless Services Markets

We consider a wireless services market where a set of operators compete for a large common pool of users. The latter have a reservation utility of U0 units or, equivalently, an alternative option to satisfy their communication needs. The operators must satisfy these minimum requirements in order to attract the users. We model the users decisions and interaction as an evolutionary game and the c...