Publications Database

Welcome to the new Schulich Peer-Reviewed Publication Database!

The database is currently in beta-testing and will be updated with more features as time goes on. In the meantime, stakeholders are free to explore our faculty’s numerous works. The left-hand panel affords the ability to search by the following:

  • Faculty Member’s Name;
  • Area of Expertise;
  • Whether the Publication is Open-Access (free for public download);
  • Journal Name; and
  • Date Range.

At present, the database covers publications from 2012 to 2020, but will extend further back in the future. In addition to listing publications, the database includes two types of impact metrics: Altmetrics and Plum. The database will be updated annually with most recent publications from our faculty.

If you have any questions or input, please don’t hesitate to get in touch.

 

Search Results

Xiaoran Jia and Kiridaran Kanagaretnam (2024). "Digital Inclusion and Financial Inclusion: Evidence from Peer-to-Peer Lending", Journal of Business Ethics.

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Keywords
Abstract We explore whether digital inclusion, a public policy designed to provide high-speed internet infrastructure for historically digitally excluded populations, is associated with the social and ethical challenge of financial inclusion. Using evidence from a sizable P2P lender in the U.S., we document that digital inclusion is positively associated with P2P lending penetration and that this relation is more pronounced in counties with limited commercial bank loan penetration and higher minority populations. Our new evidence from cross-sectional tests suggests that digital inclusion plays a key role in financial inclusion, particularly in regions with more vulnerable and/or underserved populations. In consequence tests, we document that high-risk borrowing is less likely to be denied in counties with higher digital inclusion and that digital inclusion is positively associated with P2P lending efficiency in the form of more repeated borrowing, decreased funding time, and improved funding fulfillment. In addition, we show that the availability of alternative information, a plausible channel through which digital inclusion is related to financial inclusion, is positively associated with efficiency in P2P lending. Our findings indicate that digital inclusion can empower financial service providers and other stakeholders to collaboratively fulfill their ethical and social responsibilities to meet the financial needs of historically marginalized groups.

Henry M. Kim (2024). "Can Stablecoins Actually Improve Financial Inclusion: Exploring the IT Affordances of Token-Based Digital Currencies", Hawaii International Conference on Systems Science (HICSS-57), Honolulu, HI, January 3 – 6.

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Keywords
Abstract Token-based digital currencies like cryptocurrencies and stablecoins constitute newer, more novel technology relative to account-based digital currencies like M-Pesa’s or traditional bank’s. To motivate wider adoption, proponents of stablecoins in particular have advocated for their use for financial inclusion. With their central ethos of decentralization, these token-based currencies are much closer to cash than intermediated account-based ones, important since cash is the least financially excluding form of money. However, in-depth evidential studies have surmised that the narrative appears compelling only in niche cases, generally having to do with NGO-led cash disbursements. In this paper, we present a reframed exploration of the narrative, drawing from IT Affordance Theory. Using an example scenario from literature, we explore how the recently introduced concept of intermediary ecosystem can impede or enable a financially excluded person’s potential use of stablecoins to fulfill goals associated with the affordances of transferring value, maintaining liquidity, staying resilient to financial shocks, and meeting other family and lifestyle goals. Through this exercise, we discern the possibility that stablecoin functionalities could be integrated into, say, community-based initiatives like Latin American tandas. Hence, reframing in the lens of IT affordance reinforces that blockchain-based tokenized digital currencies could strengthen benevolent intermediaries’ ability to aid financially excluded persons.

Pashang, S., & Weber, O. (2023). "AI for Sustainable Finance: Governance Mechanisms for Institutional and Societal Approaches", The Ethics of Artificial Intelligence for the Sustainable Development Goals, 203-229.

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Keywords
Abstract Artificial intelligence (AI) for sustainable finance has been increasingly employed over the past several years to address the sustainable development goals (SDGs). Two major approaches have emerged: institutional and societal AI for sustainable finance. Broadly described, institutional AI for sustainable finance is used for activities such as environmental, social and governance (ESG) investing, while societal AI for sustainable finance is used to support underbanked and unbanked individuals through financial inclusion initiatives. Despite the growing reliance on such digital tools, particularly during the coronavirus disease 2019 (COVID-19) pandemic, governance mechanisms and regulatory frameworks remain fragmented and underutilized or inhibit progress toward the 17 UN SDGs. While major proposals and reports were released by standard-setting and regulatory bodies leading up to 2020, the COVID-19 pandemic indeed caused major setbacks to adoption and implementation, which in turn have also resulted in inconclusive data and lessons learned. As the global community begins to navigate out of the pandemic, policy makers, through multilateral and cross-sector agreements, are looking to renew governance mechanisms that mitigate new and pre-existing risks while cultivating sustainability and facilitating innovation.