Finance

  • Mock Bitcoins are displayed in Berlin, January 7, 2014, photo by Pawel Kopczynski/Reuters

    Report

    Terrorist Use of Cryptocurrencies

    Counterterrorism finance strategies have reduced terrorist access to official currencies. Will terrorist groups therefore increase their use of digital cryptocurrencies? New ones have emerged, including some that claim to be more private and secure than Bitcoin, but they also have limitations that make them less viable.

    Mar 27, 2019

  • RAND Weekly Recap

    Blog

    Shutdown, Hezbollah, Border Wall: RAND Weekly Recap

    This weekly recap focuses on Americans' financial fragility, Hezbollah in Venezuela, assessing the effectiveness of a border wall, and more.

    Feb 15, 2019

  • Woman seated on the floor, surrounded by bills and receipts, photo by David Sacks/Getty Images

    Commentary

    What the Shutdown Revealed About the Fragility of American Life

    The government shutdown highlighted the lack of resilience many suffer from when they encounter unexpected economic events. The median American family has been losing ground for decades. Policy responses to address this situation will be complex and difficult, but are much needed.

    Feb 11, 2019

  • Dissertation

    Dissertation

    Choose Wisely: A Study of College Major Choice and Major Switching Behavior

    This dissertation explores the college major decision-making process, both for initial and subsequent major choices, and analyzes the associations between major choice behaviors and student outcomes such as time to degree and probability of graduation.

    Aug 31, 2018

  • Dissertation

    Dissertation

    Financial Education among Financially Vulnerable Populations in the United States

    Examines if state-mandated financial education improves debt-related and college-going behaviors among economically vulnerable young adults.

    Aug 29, 2018

  • Top view of a young man with a stack of overdue bills

    Commentary

    What Keeps Millennials Awake at Night Could Change Over Time

    Millennials are less worried than baby boomers about national security topics and more worried about kitchen table issues, such as making ends meet each month and paying off debts. But this may have less to do with the fact that they are millennials and more to do with the fact that millennials are young.

    Jul 30, 2018

  • Woman working in florist shop

    Research Brief

    Many Americans Follow Nontraditional Paths to Retirement

    Most U.S. seniors don't follow the “standard” pattern of retirement. For example, many stay in full- or part-time posts past age 70. Health and economic factors, cognitive abilities, and personality traits can shape Americans' retirement paths.

    Jul 30, 2018

  • Young woman using a computer

    Multimedia

    Millennials and National Security

    In this Call with the Experts, Marek N. Posard and Kathryn Edwards discuss their new report, which compares attitudes and opinions of millennials with those of previous generations and draws inferences about potential millennial concerns about security. Andrew Parasiliti also joins the conversation to provide an overview of the Security 2040 project.

    Jun 28, 2018

  • Group of millennial business people

    Report

    What Do Millennials Think About Security Issues?

    As millennials become more prominent in the public and private sectors, their views will have greater influence. How do their attitudes toward security differ from those of previous generations? And what do these perceptions imply for U.S. security policy in 2040?

    Jun 14, 2018

  • Journal Article

    Journal Article

    Cognitive Ability, Personality, and Pathways to Retirement: An Exploratory Study

    This paper explores the utility of two prominent psychological variables - cognitive ability and personality - as predictors, while also substantially expanding the detail with which retirement pathways can be characterized.

    Apr 3, 2018

  • Graphic of digital integrated network technology

    Testimony

    A Close Look at Data Thieves

    What do cyberattackers do with the data they steal? And how do they monetize it? Grouping hackers by their goals, motivations, and capabilities can shed light on these questions.

    Mar 15, 2018

  • Communities are seen surrounded by water and wetlands in Plaquemines Parish, Louisiana, August 25, 2015

    Commentary

    Environmental Impact Bonds May Not Bear Fruit for Green Investors

    Investors may be willing to accept a lower return for socially responsible investments. But environmental impact bonds may not be the best way to leverage these investment possibilities.

    Nov 26, 2017

  • cash in wallet

    Project

    Behavioral Finance (BeFi) Forum Promotes Research on Consumer Behavior

    The RAND Behavioral Finance (BeFi) Forum is a collective of academic, financial, and government leaders who meet regularly in person and via web seminars to foster cutting-edge behavioral research for practical application. BeFi's mission is to help consumers make better financial decisions.

    Oct 24, 2017

  • Report

    Report

    Digital currency: Transacting and value exchange in the digital age

    The report gives an overview of expert discussions on trends in the use of digital transaction platforms and cryptocurrencies, and the implications for the wider economic, financial and social landscape.

    Oct 11, 2017

  • Report

    Report

    Building our Connected Society: Findings from the 2017 Thought Leadership programme

    This report summarises the key themes that emerged from four thought leadership sessions on the UK's connected society, along with recommended actions moving forward for the UK government, industries, the third sector and the public.

    Oct 11, 2017

  • Journal Article

    Journal Article

    Visual Tools and Narratives: New Ways to Improve Financial Literacy

    Our results suggest that educational programs that engage the user emotionally or physically and involve vicarious experience rather than text-based or passive educational programs are key for making gains in both financial literacy and confidence in financial knowledge.

    Oct 6, 2017

  • Journal Article

    Journal Article

    Subjective Mortality Risk and Bequests

    The results of this paper show a strong empirical relevance of subjective survival curves, indicating the importance to take into consideration of this dimension of individual heterogeneity in life cycle models.

    Oct 6, 2017

  • A young woman holding pliers as she makes jewelry

    Commentary

    Why More Young Workers Are Relying on Financial Help from Parents

    As today's young adults grapple with a difficult job market, high tuition costs, and rapidly rising rents, parents are increasingly providing financial support and other forms of assistance.

    Aug 31, 2017

  • People are pictured outside the European Commission headquarters in Brussels, Belgium June 14, 2017.

    Commentary

    The European Commission Is Struggling to Demonstrate 'Value for Money'

    Great work is happening as a result of EU spending and programmes, particularly around democracy, rule of law and human rights. To make sure the trend continues, it is important for the populace to understand the value for money of this work.

    Jun 26, 2017

  • Graduates tossing their mortarboards in the air

    Commentary

    Is College Worth the Expense? Yes, It Is

    Many American students struggle with the soaring cost of higher education. And for many college students, debt can have severe negative implications. But on balance, the benefits of a college degree appear to outweigh the costs.

    May 22, 2017