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"Fan Lu"
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Mobile investment technology adoption among investors
PurposeThe purpose of this study is to examine investors' internal characteristics, including investment literacy, risk tolerance and familiarity with mobile financial services, as antecedents of mobile investment technology adoption among American investors.Design/methodology/approachUsing the 2018 National Financial Capability Study and its supplemental Investor Survey, this study examined antecedents, including investors' internal characteristics, in relation to mobile investment technology adoption. Nested logistic regression analyses were performed for adopting mobile apps for investment decisions and for investment trading.FindingsThis study found that objective and subjective investment knowledge, experience using mobile banking for payments and money transfers, and certain ownerships of investment vehicles (such as whole-life insurance policies and ETFs) were significant determinants of mobile investment decision-making. On the other hand, subjective investment literacy, risk tolerance, familiarity with mobile financial services, and portfolio value, as well as certain types of investment vehicles were significantly associated with mobile investment trading.Originality/valueThis study is among the first to examine investors' investment literacy, risk tolerance and familiarity with mobile financial services as investors' internal characteristics in relation to mobile investment technology adoption. The diffusion of innovations theory and related concepts provide theoretical support for this study. The findings provide new insights into mobile investing as an emerging FinTech subject and provide implications for practitioners and FinTech developers, as well as contribute to the literature of mobile investment service adoption among retail investors.
Journal Article
A Conceptual Framework of Financial Advice-Seeking and Short- and Long-Term Financial Behaviors: An Age Comparison
The purpose of this study is to construct a conceptual framework and examine the relationships between perceived financial capability, financial stressors, financial advice-seeking behavior, and short-and long-term financial behaviors. Furthermore, this study examines whether there exists an age difference in these relationships. Using the 2012 National Financial Capability Study, this paper suggests that perceived financial capability is positively associated with advice-seeking behavior, and short- and long-term desired financial behaviors. Further, financial stressors are negatively associated with financial behaviors, but positively associated with financial advice-seeking behavior. Seeking professional advice is positively associated with short- and long-term financial behavior and mediates the relationship between financial stressors and financial behaviors. A positive association is observed between short-term and long-term financial practice. Moreover, socio-demographic characteristics are also examined, including observations about age differences in the proposed relationships. Implications for consumers, financial practitioners, and policymakers are also discussed.
Journal Article
The nexus of financial education, literacy and mobile fintech: unraveling pathways to financial well-being
PurposeThis study examines the antecedents and outcomes of using mobile fintech applications, including mobile banking, mobile payments, mobile transfer and mobile financial money management tools.Design/methodology/approachThis paper examines the antecedents (i.e. financial education and financial literacy) and outcomes (i.e. desirable financial behaviors and financial well-being) of the utilization of mobile fintech. Using data from the 2018 National Financial Capability Study and structural equation modeling techniques, this study provides empirical evidence to show significant direct and indirect relationships among these factors.FindingsThe structural equation modeling results revealed that financial education was positively associated with both financial literacy and mobile fintech utilization. Interestingly, financial literacy was negatively associated with mobile fintech utilization and served as a negative mediator between financial education and mobile fintech utilization, while it positively correlated with desirable financial behaviors, enhancing financial well-being. Utilization of mobile fintech was negatively associated with desirable financial behaviors and indirectly and negatively associated with financial well-being. The alternative model highlighted a direct and negative association between mobile fintech usage and financial well-being, and a direct positive association between financial literacy and financial well-being.Originality/valueThis study makes contributions to the literature on financial well-being by examining pathways of antecedents and outcomes of mobile fintech utilization. The findings provide new insights into the rapid evolution of mobile fintech innovations and provide important policy and practical implications.
Journal Article
Information Search, Financial Advice Use, and Consumer Financial Behavior
This study develops a conceptual framework to investigate the relationship between households' information search behavior and financial management outcomes. Consumers' information search behavior is examined from both internal and external perspectives. The internal information sources include human capital and psychological and attitudinal factors, whereas the external information sources comprise financial professionals from different financial service areas. Financial management behaviors examined in this study consist of consumers' savings and credit-using behavior. This study uses the 2012 National Financial Capability Study and structural equation modeling methodology. The results suggest that (a) both internal and external information sources used by consumers are significantly associated with savings and credit-using behavior, and (b) seeking external financial advice from professionals mediates the relationship between consumers' internal sources and financial management outcomes. The findings of this study provide practical implications for financial professionals when counseling and communicating with clients and challenge policymakers to develop pathways that can enhance the quality and accessibility of internal and external information sources for clients, including customized financial education programs and affordable professional financial services.
Journal Article
Polydopamine Decorated Microneedles with Fe‐MSC‐Derived Nanovesicles Encapsulation for Wound Healing
Wound dressing with the capacities of antioxidation, antiinflammation, and efficient angiogenesis induction is expected for effectively promoting wound healing. Herein, a novel core‐shell hyaluronic acid (HA) microneedle (MN) patch with ferrum‐mesenchymal stem cell‐derived artificial nanovesicles (Fe‐MSC‐NVs) and polydopamine nanoparticles (PDA NPs) encapsulated in the needle tips is presented for wound healing. Fe‐MSC‐NVs containing multifunctional therapeutic cytokines are encapsulated in the inner HA core of the MN tips for accelerating angiogenesis. The PDA NPs are encapsulated in the outer methacrylated hyaluronic acid (HAMA) shell of the MN tips to overcome the adverse impacts from reactive oxygen species (ROS)‐derived oxidative stress. With the gradual degradation of HAMA patch tips in the skin, the PDA NPs are sustainably released at the lesion to suppress the ROS‐induced inflammation reaction, while the Fe‐MSC‐NVs significantly increase the migration, proliferation, and tube formation of human umbilical vein endothelial cells (HUVEC). More attractively, the combination of PDA NPs and Fe‐MSC‐NVs further promotes M2 macrophage polarization, thereby suppressing wound inflammation. Through in vivo experiment, the Fe‐MSC‐NVs/PDA MN patch shows an excellent effect for diabetic wound healing. These features of antioxidation, antiinflammation, and pro‐angiogenesis indicate the proposed composite core‐shell MN patch is valuable for clinical wound healing applications. Core‐shell microneedle (MN) patches with ferrum‐mesenchymal stem cell‐derived nanovesicles (Fe‐MSC‐NVs) and polydopamine nanoparticles (PDA NPs) encapsulated in different layers of tips are developed for promoting wound healing. Their desired features of antioxidation, anti‐inflammation, and pro‐angiogenesis indicate that the proposed composite core‐shell MN patches are valuable for comprehensively handling the complicated process in diabetic wound healing.
Journal Article
Does microcredit for the poverty-alleviated population have an income-increasing effect? Also on the “Raising the Low” effect
Promoting the continuous income increase of the poverty-alleviated population has become one of the key tasks to consolidate the achievements of poverty alleviation, promote rural revitalization and achieve common prosperity. Based on the survey data of 738 farmers in six poverty-alleviated counties (cities) in an underdeveloped region in northwest China, this paper uses the endogenous transformation regression model to empirically explore the income-increasing effect of microcredit for the poverty-alleviated population, and uses the quantile regression model and OLS regression model to explore raising the low effect of microcredit for the poverty-alleviated population. The results show that: (1) Based on the counterfactual hypothesis, if the farmers who obtain microcredit for poverty-alleviated population are not loaned, their production and operating income will decrease by 3.31%, that is, microcredit has a significant income-increasing effect, and the income-increasing effect of obtaining microcredit for the poverty-alleviated population on the monitoring objects is greater than the households that have lifted out of poverty. (2) The mechanism of action shows that the microcredit policy for the poverty- alleviated population promotes income increase by promoting farmers to increase material capital investment and social capital investment. (3) The income-increasing effect of obtain microcredit for poverty-alleviated population on the low-income initial endowment farmers is greater than that on high-income initial endowment farmers, and farmers with low-land initial endowment have a higher income increase effect, that is, a ‘raising the low ‘ effect. The overall efficiency effect on ‘low→high ‘initial endowment farmers shows a decreasing trend. Therefore, in order to ensure the effectiveness of financial precision assistance, we should promote the microcredit policy of the poverty-alleviated population from the aspects of policy stability and implementation precision.
Journal Article
Barrier Membranes for Guided Bone Regeneration (GBR): A Focus on Recent Advances in Collagen Membranes
Guided bone regeneration (GBR) has become a clinically standard modality for the treatment of localized jawbone defects. Barrier membranes play an important role in this process by preventing soft tissue invasion outgoing from the mucosa and creating an underlying space to support bone growth. Different membrane types provide different biological mechanisms due to their different origins, preparation methods and structures. Among them, collagen membranes have attracted great interest due to their excellent biological properties and desired bone regeneration results to non-absorbable membranes even without a second surgery for removal. This work provides a comparative summary of common barrier membranes used in GBR, focusing on recent advances in collagen membranes and their biological mechanisms. In conclusion, the review article highlights the biological and regenerative properties of currently available barrier membranes with a particular focus on bioresorbable collagen-based materials. In addition, the advantages and disadvantages of these biomaterials are highlighted, and possible improvements for future material developments are summarized.
Journal Article