(联合国)风险的承诺

IF 5.6 2区 经济学 Q1 BUSINESS, FINANCE
Jamila Abubakar, Ahmet F. Aysan, Mustafa Disli
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引用次数: 0

摘要

人们越来越关注不确定性如何影响对承诺装置的需求,特别是由于它在激活风险偏好的同时引入了决策环境的复杂性。本研究考察了尼日利亚金融科技平台上的自动化交易比例如何变化,考虑到两种不同风险水平环境中的不确定性和个人风险厌恶。一种环境是无风险的,而另一种环境的特点是未来结果的不确定性。我们的研究结果支持了风险厌恶与承诺需求成反比的假设,特别是在低风险和中等风险群体中。此外,我们发现在确定性和不确定性领域中,女性的行为和利率对自动化的影响存在显著差异。我们的研究结果表明,决策环境中的行为差异受到平台选择集和潜在外生因素的影响,这些因素可能会影响自动化交易后的收入和财富。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
(Un)risky commitments
There is increasing concern regarding how uncertainty influences the demand for commitment devices, especially due to the complexity it introduces into the decision-making environment while activating risk preferences. This study examines how the proportion of automated transactions varies on a Nigerian FinTech platform, given exposure to uncertainty and individual risk aversion in two distinct risk-level environments. One environment is risk-free, while the other is characterised by uncertainty about future outcomes. Our findings support the hypothesis that risk aversion varies inversely with the demand for commitment, specifically among low and medium-risk groups. Additionally, we find significant differences in the behaviour of women and the influence of interest rates on automation between the certainty and uncertainty domains. Our findings suggest that behavioural variations across decision environments are influenced by both platform choice sets and potential exogenous factors that may affect income and wealth after automating transactions.
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来源期刊
CiteScore
7.10
自引率
4.20%
发文量
85
审稿时长
100 days
期刊介绍: The intent of the editors is to consolidate Emerging Markets Review as the premier vehicle for publishing high impact empirical and theoretical studies in emerging markets finance. Preference will be given to comparative studies that take global and regional perspectives, detailed single country studies that address critical policy issues and have significant global and regional implications, and papers that address the interactions of national and international financial architecture. We especially welcome papers that take institutional as well as financial perspectives.
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