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2019

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Full-Text Articles in Social and Behavioral Sciences

Application Of Agent-Based Modeling: Simulating Financial Systemic Risk And Contagion Within Housing And Financial Markets, Faizan Khan Jan 2019

Application Of Agent-Based Modeling: Simulating Financial Systemic Risk And Contagion Within Housing And Financial Markets, Faizan Khan

CGU Theses & Dissertations

This dissertation presents an agent-based model (ABM) to model systemic risk in the housing and financial markets from 1986 to 2017 and provides a unique approach to simulating the financial market along with demonstrating the phenomenon of emergence resulting from the interconnected-behavior of consumers, banks and the Federal Reserve. Consumers can buy or rent properties, and these agents own characteristics such as income and may be employed or unemployed. Banks own balance sheets to monitor their assets and liabilities and participate in the interbank lending market with one another. This tool can model the complexities within the United States’ housing …


The Short-Term And Long-Term Relationship Between Public Sentiment And Insurgency Violence In 3 Southern Provinces Of Thailand, Domrongphol Sangmanee Jan 2019

The Short-Term And Long-Term Relationship Between Public Sentiment And Insurgency Violence In 3 Southern Provinces Of Thailand, Domrongphol Sangmanee

CGU Theses & Dissertations

This dissertation is aimed to developing and improving the theory on the intrastate conflict and public sentiment as well as the conventional wisdom on the conflict study as well as developing new analytical framework for studying intrastate conflict and for informing policymakers to deliver or adjust for a better policy to cope with this problem. The empirical case study is an insurgency conflict in three Southern provinces of Thailand. The study employs multivariate time-series analysis, namely Vector Autoregressive Model (VAR) and Vector Error Correction Model (VECM), and empirical system dynamics analysis, namely Convergent CrossMapping (CCM). The results show that the …


A Matter Of Life And Def: Poetic Knowledge And The Organic Intellectuals In Russell Simmons Presents Def Poetry, Anthony Sean Blacksher Jan 2019

A Matter Of Life And Def: Poetic Knowledge And The Organic Intellectuals In Russell Simmons Presents Def Poetry, Anthony Sean Blacksher

CGU Theses & Dissertations

In December of 2001, Russell Simmons Presents Def Poetry (Def Poetry Jam) turned HBO viewers into audience members of a televised poetry reading, featuring spoken word and performance poetry. Over six seasons, actors, rappers, comedians, and the host, Mos Def, joined poets in a unique representation of counter-public open mic poetry readings and poetry slams. This dissertation unpacks the poetry, performances, and the production of Def Poetry Jam to explore how a performative art embodied and confronted racial discourses, including stereotypes and also, addressed the racism, patriotism, and imperialist discourses that circulated after 9/11. Def Poetry Jam contributes to the …


Essays On The Economics Of The National Basketball Association (N.B.A.): Testing For Inefficiencies In The N.B.A. Labor Market, Samuel S. Lee Jan 2019

Essays On The Economics Of The National Basketball Association (N.B.A.): Testing For Inefficiencies In The N.B.A. Labor Market, Samuel S. Lee

CGU Theses & Dissertations

This dissertation is comprised of three economic essays, that each examine the labor market for players in the National Basketball Association (N.B.A.). Neoclassical economics often incorporate models that assume individuals are utility-maximizing agents who behave rationally. However, many studies in the field of behavioral economics have found evidence of irrational decision making, both within laboratory environments as well as in natural settings. The objective of this paper is to provide additional research to this growing body of literature by using empirical data collected from the N.B.A. to conduct quasi-field experiments. Although some may question their generalizability, one of the main …


Depersonalization And Projection In Groups: Two Paths To Uncertainty Reduction, Jiin Jung Jan 2019

Depersonalization And Projection In Groups: Two Paths To Uncertainty Reduction, Jiin Jung

CGU Theses & Dissertations

This dissertation develops and tests a new integrative model, the depersonalization-projection model, which proposes that uncertainty reduction is a key motivation underlying depersonalization and projection processes in groups. The proposed model describes the conditions under which people in group contexts define themselves in terms of group attributes (depersonalization) and/or define the group in terms of attributes of themselves (projection). The locus of uncertainty (about the group, about self, about self-prototypicality/self-group fit) determines the directional flow of definitional information, as well as (a) effectiveness of uncertainty reduction, (b) strength of inference, (c) strength of identification, (d) information processing time, and (e) …


What Determines Chinese Outward Foreign Direct Investment: An Empirical Research, Qiaoli Yu Jan 2019

What Determines Chinese Outward Foreign Direct Investment: An Empirical Research, Qiaoli Yu

CGU Theses & Dissertations

The rise of Chinese multinational enterprises (CMNEs) and the growth of Chinese outward foreign direct investment (OFDI) have been two important trends in the world economy. This dissertation aims to deliver a complete picture of Chinese OFDI by investigating what determines Chinese OFDI. Based on a perspective of international political economy, we use a multilevel framework which includes country level, industry level, and firm level to demonstrate a reciprocal relationship between the Chinese government’s political benefits and CMNEs’ economic benefits. The Chinese government plays the role of an organizer in this relationship to guarantee its political benefits and enlarge CMNEs’ …


Attribution Theory And Increasing Social Support For Women With Postpartum Depression: An Exploration Of Perceived Stability, Onset Controllability, And Effort, Andrea L. Ruybal Jan 2019

Attribution Theory And Increasing Social Support For Women With Postpartum Depression: An Exploration Of Perceived Stability, Onset Controllability, And Effort, Andrea L. Ruybal

CGU Theses & Dissertations

Women with postpartum depression (PPD) deal with the negative impact of depression, as well as the burden of stigma (i.e., negative stereotypes). Guided by the attribution-emotion-action model (Weiner, 1980a), the current studies seek to assess whether emphasizing the temporary nature of PPD (i.e., stability), the uncontrollable development of the ailment (i.e., onset controllability), and whether it appears someone is making an effort to overcome PPD will indirectly result in greater social support, through anger, sympathy, and social support outcome expectations. This approach, utilizing combinations of three different attributions, along with social support outcome expectations as a mediator has not been …


Integrating Coaching And Self-Determination Theory: The Development And Validation Of The Managerial Coaching Questionnaire, Hunter Thomas Black Jan 2019

Integrating Coaching And Self-Determination Theory: The Development And Validation Of The Managerial Coaching Questionnaire, Hunter Thomas Black

CGU Theses & Dissertations

Despite increasing practitioner application and decades of research on the topic of managerial coaching, the topic continues to lack conceptual clarity, foundational theory, and sound measures. As a result, there is little understanding of the underlying psychological mechanisms connecting coaching behaviors to employee outcomes. This dissertation develops a new theory-based framework and survey measure of managerial coaching behaviors (the managerial coaching questionnaire; MCQ) grounded in self-determination theory (Deci & Ryan, 1985; Ryan & Deci, 2000). Time-lagged results support the theoretical propositions of the framework with results showing a positive relationship between the MCQ and employee wellbeing mediated by employee need …


The Intergenerational Transfer Of Criminal Justice Involvement: Risk And Protective Factors As Moderating Variables, Caitlin Storm Jan 2019

The Intergenerational Transfer Of Criminal Justice Involvement: Risk And Protective Factors As Moderating Variables, Caitlin Storm

CGU Theses & Dissertations

Previous literature identified evidence of a transfer of criminal justice involvement between generations of family members. This relationship has proven especially strong between parents and children. Different demographic factors slightly alter the strength and significance of the transfer, but the established relationship between the criminal justice involvement of the parent and the increased likelihood of the child’s criminal justice involvement remains consistent. Data from the National Longitudinal Survey of Youth 1997 was used to analyze the effect of the father’s criminal justice involvement on his child’s. Using binary logistic regression models, predictor variables were included in a step-wise fashion to …


Influence Of Deliberate Peer-To-Peer Interactions On First-Generation College Students’ Educational Outcomes, Junelyn Pangan Peeples Jan 2019

Influence Of Deliberate Peer-To-Peer Interactions On First-Generation College Students’ Educational Outcomes, Junelyn Pangan Peeples

CGU Theses & Dissertations

First-generation college students are first in their families to go to college and may not have the resources to help them navigate a college setting. They have parents who have not received a four-year degree, which diminishes the amount of knowledge they accumulated to help them navigate a college setting effectively. They are typically underprepared academically and socially, which can impede their ability to adjust and negatively influence their persistence and ultimately degree attainment. There is research that suggests there are ways to retain students and provide better support systems that help them graduate. Studies have found that peer-to-peer interactions …


Msmes (Microsoft, Small And Medium Enterprises) And Democracy, A Panel Data Model, Simon Hsien-Tun Tang Jan 2019

Msmes (Microsoft, Small And Medium Enterprises) And Democracy, A Panel Data Model, Simon Hsien-Tun Tang

CGU Theses & Dissertations

This paper focuses on different national economic development structures, such as microsmall-medium-enterprises (MSMEs) vs. big or state-owned enterprises and their relations with political development. A well-established literature argues that MSMEs are conducive to economic growth. Existing literature does not tell us much about the relationship between MSMEs and democracy. This dissertation examines the relationship between economic development structure and democracy. I demonstrate that we observe a negative correlation between high concentration of MSMEs and political development in the early stages of a country’s economic development (pre-takeoff or takeoff states stages), ceteris paribus. I provide a theoretical framework and causal mechanism …


Examining The Influence Of Source-Message Incongruence On Source Trustworthiness And Attitudes Regarding Hazardous Waste Cleanup Decisions, Lori Garner Manes Jan 2019

Examining The Influence Of Source-Message Incongruence On Source Trustworthiness And Attitudes Regarding Hazardous Waste Cleanup Decisions, Lori Garner Manes

CGU Theses & Dissertations

Research has shown that when a source proffers a message that is incongruent with its expected position on a topic, it can have an effect on the perceived trustworthiness of the communicator, the persuasiveness of the message, and the extent to which the receiver elaborates the message. However, research in this area has not been consistent. Questions remain as to whether sourcemessage incongruence enhances source trustworthiness, attitude change, or both, relative to source-message congruence. Focusing on an environmental risk management context involving the cleanup of a hazardous waste site, this research investigated how source-message incongruence influenced perceptions of source trustworthiness, …


Empathic Stories To Address Intergroup Discrimination Towards Undocumented Latinx Immigrants: Stories When We Cannot Live Experiences, Ricardo Mendoza Lepe Jan 2019

Empathic Stories To Address Intergroup Discrimination Towards Undocumented Latinx Immigrants: Stories When We Cannot Live Experiences, Ricardo Mendoza Lepe

CGU Theses & Dissertations

A growing body of research in social psychology focuses on ameliorating intergroup discrimination. A substantial amount of this work originates from the contact hypothesis (Allport, 1954). However, many indirect contact studies utilize stories as interventions or cite other studies that use stories. The work in narrative psychology shows that stories provide consumers the opportunity to rehearse intergroup interactions (Oatley, 1999), induce empathy that allows for understanding and feeling the experiences of others (Van Laer et al., 2014), and provide mental experiences felt as if truly occurring (i.e., transportation; Green & Brock, 2000, 2002). Two focal questions of the current research …


A Tacticians Guide To Conflict, Vol. 1: Advancing Explanations & Predictions Of Intrastate Conflict, Khaled Eid Jan 2019

A Tacticians Guide To Conflict, Vol. 1: Advancing Explanations & Predictions Of Intrastate Conflict, Khaled Eid

CGU Theses & Dissertations

Intrastate conflict is an ever-evolving problem – causes, explanation, and predictions are increasingly murky as traditional methods of analysis focus on structural issues as precursors of conflict. Often times these theories do not consider the underlying meso and micro dynamics that can provide vital insights into the phenomena. Tactical decision-makers are left using models that rely on highly aggregated, country level data to create proper courses of actions (COAs) to address or predict conflict. The shortcoming is that conflicts morph quite rapidly and structural variables can struggle capture such dynamic changes. To address this some tacticians are using big data …


Knowledge Boundaries Shape The Cognitive And Structural Foundations Of Innovation: Dyad-Level Expertise Exchange In Teams Of Specialists, Daniel Jordan Slyngstad Jan 2019

Knowledge Boundaries Shape The Cognitive And Structural Foundations Of Innovation: Dyad-Level Expertise Exchange In Teams Of Specialists, Daniel Jordan Slyngstad

CGU Theses & Dissertations

Innovation in academia and industry is increasingly achieved via complex problem solving in teams making use of knowledge from multiple areas of expertise. These expertise-diverse teams have proliferated in response to the demands of contemporary knowledge work, and members often possess intellectually distant skillsets that impose novel constraints on the means by which they must collaborate—in particular, they must rely more on distributed taskwork. Yet, research continues to place emphasis on the goal of enabling teams to achieve innovation by increasing knowledge shared in common, overcoming obstacles to cognitive parity, or via sustained periods of problem solving by the team …


Sustained Social Movement Participation: Integration Of Social Identity And Attribution Theories, Deryn Maia Dudley Jan 2019

Sustained Social Movement Participation: Integration Of Social Identity And Attribution Theories, Deryn Maia Dudley

CGU Theses & Dissertations

Social movements can be an effective strategy through which to influence social change. However, setbacks and failures are often a part of the social movement process. Why then, in the face of failure do social movements persist? This pair of studies tested a proposed framework that drew from social identity and attribution literature in exploring the joint effects of group identification and attribution making in predicting social movement persistence. Study 1 was an experimental design conducted with a sample of 198 students that tested the first half of the framework to assess strength of identification as a moderator on the …


Growing From Doing Good In Later Life: Growth Themes In Narratives Of Prosocial Behavior, Laura Elizabeth Graham Jan 2019

Growing From Doing Good In Later Life: Growth Themes In Narratives Of Prosocial Behavior, Laura Elizabeth Graham

CGU Theses & Dissertations

Contemporary theories consider development to be lifelong, suggesting that although aging entails considerable loss, there is still potential to grow and to remain engaged in meaningful activities. Narrative studies have revealed a host of benefits for narrating one’s life story with themes of growth and have found evidence of growth themes in personal narratives of older adults. Yet there is limited research focusing on specific experiences that elicit growth or development in older age. A significant portion of aging individuals engage in prosocial behavior, and empirical research using scales to measure well-being outcomes have revealed important benefits, but have overlooked …


Three Essays On Africa, Lisa Jené Jan 2019

Three Essays On Africa, Lisa Jené

CGU Theses & Dissertations

Part 1: Climate Change, Urbanization, and Government Responses in Sub-Saharan Africa This paper examines the relationship between climate change, rising urbanization rates, and regime types in the countries of sub-Saharan Africa (SSA). This project uses the national-level ND-GAIN (Notre Dame Global Adaptation Initiative) score and a selection of its sub-variables. The ND-GAIN score is a composite index that grades a country’s vulnerability to climatic disruptions (exogenous) as well as its readiness in terms of adaptation investment (endogenous); sub-variables used here include Governance Readiness, Vulnerability, and Adaptive Capacity. Data are used for all 49 SSA countries, over the years 1995-2016, in …


Using A Mixed Methods Approach To Study The Evolution Of Party Platforms - 1960-2016, Artour Aslanian Jan 2019

Using A Mixed Methods Approach To Study The Evolution Of Party Platforms - 1960-2016, Artour Aslanian

CGU Theses & Dissertations

Every four years, members of political parties convene in order to craft platforms in which they articulate the positions of the parties on a plethora of different issues. While not widely read, the importance of these platforms cannot be understated. They provide a lens for us in order to view the ideological shifts of the parties and often serve as a mechanism by which to guide the legislative agendas of the parties. This dissertation examines Republican and Democratic platforms written between 1960-2016 using a mixed methods approach in order to evaluate the value of using both quantitative and qualitative approaches. …


Essays On The Underlying Capacity Of The State And Its Effects On Economic Development, Alma Alicia Bezares Calderón Jan 2019

Essays On The Underlying Capacity Of The State And Its Effects On Economic Development, Alma Alicia Bezares Calderón

CGU Theses & Dissertations

This dissertation focuses on three main topics: state capacity, conflict and development. During my progress in my program, I have become more interested in these issues as I have seen how closely linked they are and how they help to explore questions related to prosperity, or the lack of thereof. In particular, my research, and more precisely this dissertation, concentrates on the connection among these three issues in low- and middle-income countries. In the first chapter, titled ”How Strong is your Shield? Subnational State Capacity and Violence in Mexico” I center the analysis on the case of Mexico, a middle-income …


What Contributes To Well-Being In Later Life? How Two Life-Span Perspectives Explain The Process, Yeojin Rho Jan 2019

What Contributes To Well-Being In Later Life? How Two Life-Span Perspectives Explain The Process, Yeojin Rho

CGU Theses & Dissertations

Goals influence the direction of life. Because of this, goals play major roles in our motivations, behaviors, perceptions, thoughts, and feelings (Cavanaugh & Blanchard-Fields, 2015). Thus, it has been one of the important topics in developmental psychology to study how goals are formed and changed over the life-span. Selection, optimization, and compensation (SOC) theory and socioemotional selectivity theory (SST) explain goal changes throughout life. Although these theories focus on different factors that led to goal changes and on different aspects of goals, both theories assert that people can achieve their goals, be satisfied with their life, and finally experience successful …


Leveraging Contracting Strategies With Private Shipyards For Increasing Naval Fleet Operational Availability, Kaitlynn M. Castelle, Joseph M. Bradley, Sanjeev Gupta Jan 2019

Leveraging Contracting Strategies With Private Shipyards For Increasing Naval Fleet Operational Availability, Kaitlynn M. Castelle, Joseph M. Bradley, Sanjeev Gupta

Engineering Management & Systems Engineering Faculty Publications

A major rethink of NAVSEA’s shipyard contracting strategy is required to support the critical need of improving our naval fleet availability. Operational Fleet material availability is reduced when various parts of the “NAVSEA production system” operate at cross-purposes. By increasing alignment between major players (i.e., NAVSEA and the private shipyards), major improvements in delivery performance, cost, and even throughput can be realized. Developing strategies and specific actions to do so is a rich field given the current state of the system. We take an analytical as well as evidence-based approach to propose strategies that can be successful given the peculiar …


The Resilient City: A Platform For Informed Decision-Making Process, Paul Niculescu-Mizil Gheorghe, Jarutpong Vasuthanasub, Adrian Gheorghe Jan 2019

The Resilient City: A Platform For Informed Decision-Making Process, Paul Niculescu-Mizil Gheorghe, Jarutpong Vasuthanasub, Adrian Gheorghe

Engineering Management & Systems Engineering Faculty Publications

As over half of the world’s inhabitants lives in metropolises, the rapid growth in urbanization has made cities becoming more and more exposed and vulnerable to a broad spectrum of threats and hazards. In order to respond to such difficulties, a concept of resilience is considered a significant component for the long-term planning and sustainable development of the cities. “Resilient City” is a new paradigm that challenges the idealistic principle of stability and resistance to change implicitly in sustainable development and success. However, building a resilient city requires a holistic approach, as well as the appropriate adoption of knowledge and …


Dependent Care Fsas Work For Low- To Moderate-Income Families: 5 Action Steps For Policymakers, Sophia Fox-Dichter, Ellen Frank-Miller, Sloane Wolter Jan 2019

Dependent Care Fsas Work For Low- To Moderate-Income Families: 5 Action Steps For Policymakers, Sophia Fox-Dichter, Ellen Frank-Miller, Sloane Wolter

Social Policy Institute Research

Dependent Care Flexible Spending Accounts (DCFSAs) can help workers save money on child care expenses by using pre-tax dollars, but few employees actually use the accounts, particularly low- to moderate-income (LMI) employees, because:

• DCFSAs are difficult to understand; figuring out if they are possible to use and worth the trouble is a complex task for families.

• Families face a “double-hit” if they use the accounts – they have to set aside pre-tax dollars for child care expenses and then pay out-of-pocket before getting reimbursed.

• Using a DCFSA may require certainty about a year’s worth of child care …


Dependent Care Fsas: The Uneven Playing Field For Employers And Workers, Ellen Frank-Miller, Sophia Fox-Dichter, Sloane Wolter Jan 2019

Dependent Care Fsas: The Uneven Playing Field For Employers And Workers, Ellen Frank-Miller, Sophia Fox-Dichter, Sloane Wolter

Social Policy Institute Research

This research was funded by the Annie E. Casey Foundation. We thank them for their support but acknowl-edge that the findings and conclusions presented in this report are those of the authors alone, and do not necessarily reflect the opinions of the Foundation.The authors are grateful to Don Baylor at the Annie E. Casey Foundation for his guidance and support throughout the project. We extend our thanks to Elaine Maag at the Urban Institute for offering her expertise related to interactions between the Earned Income Tax Credit and dependent care flexible spending ac-counts.In this two-part series, we provide a field …


Credit-Building Services For Employees: An Assessment Of Engagement And Outcomes, Yingying Zeng Msw, Msp, Mathieu Despard Phd, Msw Jan 2019

Credit-Building Services For Employees: An Assessment Of Engagement And Outcomes, Yingying Zeng Msw, Msp, Mathieu Despard Phd, Msw

Social Policy Institute Research

Employee financial wellness programs (EFWPs) are gaining in popularity as a strategy to address workers' financial challenges and goals beyond offering health and retirement benefits. Most workers say they are stressed about their finances1 and a third are less productive at work because of this stress.2 Although employers are increasingly interested in offering EFWPs, little research has been conducted concerning these workplace financial products and services.


Workplace Credit-Building Counseling At A Midwest Employer: An Assessment Of Take-Up, Engagement, And Outcomes, Ellen G. Frank-Miller Phd, Sophia Fox-Dichter Msw, Sloane Wolter Ab, Jenna Hampton Bsw, Yingying Zeng Msw, Msp Jan 2019

Workplace Credit-Building Counseling At A Midwest Employer: An Assessment Of Take-Up, Engagement, And Outcomes, Ellen G. Frank-Miller Phd, Sophia Fox-Dichter Msw, Sloane Wolter Ab, Jenna Hampton Bsw, Yingying Zeng Msw, Msp

Social Policy Institute Research

Employee financial wellness programs (EFWPs) are gaining in popularity as a strategy to address workers' financial challenges and goals beyond offering health and retirement benefits. Most workers say they are stressed about their finances1 and a third are less productive at work because of this stress.2 Although employers are increasingly interested in offering EFWPs, little research has been conducted concerning these workplace financial products and services.


Financial Counseling For Low- And Moderate-Income Home Health Care Employees: An Assessment Of Take-Up, Engagement, And Outcomes, Ellen G. Frank-Miller Phd, Sophia R. Fox-Dichter Msw, Sloane Wolter Ab, Jenna Hampton Bsw Jan 2019

Financial Counseling For Low- And Moderate-Income Home Health Care Employees: An Assessment Of Take-Up, Engagement, And Outcomes, Ellen G. Frank-Miller Phd, Sophia R. Fox-Dichter Msw, Sloane Wolter Ab, Jenna Hampton Bsw

Social Policy Institute Research

Employee financial wellness programs (EFWPs) are gaining in popularity as a strategy to address workers' financial challenges and goals beyond offering health and retirement benefits. Most workers say they are stressed about their finances1 and a third are less productive at work because of this stress.2 Although employers are increasingly interested in offering EFWPs, little research has been conducted concerning these workplace financial products and services.


Employer-Sponsored Small-Dollar Loans: An Assessment Of Take-Up, Engagement, And Outcomes, Ellen G. Frank-Miller Phd, Sophia Fox-Dichter Msw, Sloane Wolter Ab, Jenna Hampton Bsw, Mathieu Despard Phd, Msw, Geraldine Germain Msw Jan 2019

Employer-Sponsored Small-Dollar Loans: An Assessment Of Take-Up, Engagement, And Outcomes, Ellen G. Frank-Miller Phd, Sophia Fox-Dichter Msw, Sloane Wolter Ab, Jenna Hampton Bsw, Mathieu Despard Phd, Msw, Geraldine Germain Msw

Social Policy Institute Research

Employees financial wellness program (EFWPs) are gaining in popularity as a strategy to address workers' financial challenges and goals beyond offering health and retirement benefits. Most workers say they are stressed about their finances1 and a third are less productive at work because of this stress.2 Although employers are increasingly interested in offering EFWPs, little research has been conducted concerning these workplace financial products and services.


Financial Counseling For Low- And Moderate-Income Employees: An Assessment Of Engagement And Outcomes, Mathieu Despard Phd, Msw, Yingying Zeng Msw, Msp, Sophia Fox-Dichter Msw Jan 2019

Financial Counseling For Low- And Moderate-Income Employees: An Assessment Of Engagement And Outcomes, Mathieu Despard Phd, Msw, Yingying Zeng Msw, Msp, Sophia Fox-Dichter Msw

Social Policy Institute Research

Employee financial wellness programs (EFWPs) are gaining in popularity as a strategy to address workers' financial challenges and goals beyond offering health and retirement benefits. Most workers say they are stressed about their finances1 and a third are less productive at work because of this stress.2 Although employers are increasingly interested in offering EFWPs, little research has been conducted concerning these workplace financial products and services.