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Finance

Report

Future of the Credit Information Market: Final report

This project identified the factors influencing change and developed four plausible future scenarios for 2030 that provide insights into the implications for the credit information market, the lending markets, consumers and wider society.

Jul 29, 2021
Commentary

Cryptocurrency Should Be Added to the U.S.-Japan Trade Deal

As the Biden administration begins to define its approach to international trade, and the Suga administration looks to further tighten cooperation with the United States, it may be worth reconsidering the exclusion of cryptocurrency from the U.S.-Japan trade deal. Substantial economic equities are at stake for both sides.

Jul 28, 2021
Commentary

Fintech's Role in Reducing Disparities and Financial Barriers to Health Care Access

Given the growing pressures on health care systems globally and the need for innovative approaches to financing health care, the time may be ripe to develop a robust evidence base and share learning on fintech-enabled approaches that could support universal health coverage agendas and healthier and more stable societies.

Jul 26, 2021
Research Brief

The Prevalence of Criminal Records Among Small Business Owners

This research brief addresses a new estimate of how many U.S. small businesses have owners with criminal history records.

Jun 30, 2021
Blog

RAND Art + Data, 'Gray Market Care,' Supply Chains and Cyberattacks: RAND Weekly Recap

This weekly recap focuses on RAND's new artist residency program, Art + Data; the prevalence of “gray market care” in the United States; supply chains' cyber problem; and more.

Jun 25, 2021
Report

Small Businesses, Criminal Histories, and the Paycheck Protection Program

The Paycheck Protection Program—signed into law as part of the CARES Act in March 2020—provided money for payroll, rent, mortgage, and utilities to small businesses. But companies owned by individuals with criminal backgrounds were ineligible to receive funds. Some of the restrictions were later relaxed, but how many business owners and employees were affected?

Jun 21, 2021
Dissertation

How I Learned to Stop Worrying and Love Blockchain: Implications and Applications of Blockchain

Explores the implications and applications of blockchain, the technology underpinning contentious cryptocurrencies.

May 25, 2021
Research Brief

A New Approach to Measuring Income Inequality

A new method for measuring income inequality reveals that, from 1975 to 2018, the only group for which actual income gains exceeded U.S. GDP growth was the group near the 99th percentile of income distribution.

Apr 29, 2021
Multimedia

Exploring Workplace Financial Wellbeing Interventions

Workplace financial wellbeing interventions could offer a key means for addressing rising financial concerns and mental health issues in the workplace. In this video, Christian van Stolk and Jennifer Bousfield describe their findings from an extensive analysis of British and Asian workplace survey data.

Mar 9, 2021
Infographic

Workplace financial wellbeing interventions and the mental health of young workers

In this study we explore the likely and proven impact of workplace financial wellbeing interventions on the mental health of young workers, through analysis of Britain and Asia's Healthiest Workplace survey data and a literature review.

Mar 8, 2021
Report

Workplace financial wellbeing interventions for young workers: A review of the evidence and analysis of Britain's Healthiest Workplace (BHW) and Asia's Healthiest Workplace (AHW) surveys

In this study we explore the likely and proven impact of workplace financial wellbeing interventions on the mental health of young workers, through analysis of Britain and Asia's Healthiest Workplace survey data and a literature review.

Mar 8, 2021
Journal Article

How Did the Reintroduction of the Social Security Statement Change Workers' Expectations and Plans?

This study fielded a survey in RAND's American Life Panel, coinciding with the partial reintroduction of the Social Security Statement. The findings indicate that regular mailings can play a role in shaping workers' retirement plans.

Mar 3, 2021
Journal Article

Financial Literacy and Financial Decision-Making at Older Ages

This paper examines how financial literacy is associated with three types of financial decisions pertinent to older individuals: adherence to timely credit card repayment, stock market participation, and risk diversification of household assets.

Feb 9, 2021
Report

RAND Behavioral Finance Forum: Financial Security Over the Lifespan

Video compilation of the 2020 Behavioral Finance Forum (BeFi). Leaders from academia, government, regulatory agencies, and industry were invited to share the latest research and exchange ideas on the theme of financial security over the lifespan.

Feb 2, 2021
Blog

Americans' Financial Struggles, COVID-19 Vaccinations, Virtual Schools: RAND Weekly Recap

This weekly recap focuses on Americans' ongoing financial struggles, how we can learn from the first phase of COVID-19 vaccinations, why virtual schools may be here to stay, and more.

Dec 18, 2020
News Release

Financial Woes Grow Worse Over Course of Coronavirus Pandemic; More Families Report Trouble Paying Bills

The economic challenges caused by the coronavirus pandemic have grown worse since the spring for many American families, with an increasing number reporting that they have trouble paying bills.

Dec 17, 2020
Report

Americans' Financial Difficulties Continue

As the pandemic continues, many U.S. households are struggling to pay their bills. No income group has been spared financial difficulties, but the most-vulnerable households have been hit the hardest. There are severe challenges among lower-income workers and among Black and Hispanic households.

Dec 17, 2020
Commentary

Your Personal Information Could End Up in the Hands of Foreign Investors

If you've ever rented a property, you may have wondered what happens to the sensitive information on your application. Recent concerns over the foreign harvesting of personal information for questionable purposes should worry everyone.

Dec 16, 2020
Commentary

Too Interconnected to Fail

The 2007–08 financial crisis made regulators and lawmakers acutely aware that some financial institutions had become too big to fail. The next big economic crisis may arise outside the financial sector, in highly networked companies that are too interconnected to fail.

Aug 22, 2020
Commentary

What to Watch to Understand the Sino-Iranian Relationship

Beijing and Tehran are in the process of finalizing an ambitious partnership covering a range of security and economic issues. The United States should not overreact to shifting geopolitical dynamics in the Middle East, and should instead keep an eye out to assess the evolution of the relationship and take stock of what is delivered instead of what is merely promised.

Aug 13, 2020

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RAND Topic:
Finance

Topic Synonyms:
Monetary Systems

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