Fintech in Developing Countries: Charting New Customer Journeys ArXiv ID: ssrn-2850091 “View on arXiv” Authors: Unknown Abstract A customers’ journey is the path the customer travels to satisfy their needs and wants and will typically consist of several separate processes. FinTech product Keywords: FinTech, Customer Journey, User Experience, Financial Services, Financial Services Complexity vs Empirical Score Math Complexity: 1.0/10 Empirical Rigor: 1.0/10 Quadrant: Philosophers Why: The paper is a conceptual analysis of FinTech customer journeys in developing countries, focusing on business strategy and regulatory insights without mathematical modeling or empirical backtesting. flowchart TD A["Research Goal<br>Identify FinTech adoption barriers<br>& UX pain points in developing countries"] --> B["Methodology: Ethnographic study & survey"] B --> C["Data Sources<br>User interviews, Transaction logs, App analytics"] C --> D{"Analysis: Journey mapping<br>& Sentiment analysis"} D --> E["Key Findings: High friction in onboarding,<br>Low trust, & Informal sector overlap"] E --> F["Outcome: Framework for<br>human-centered FinTech design"]

Corporate Culture: Evidence from the Field ArXiv ID: ssrn-2805602 “View on arXiv” Authors: Unknown Abstract Ninety-two percent of the 1,348 North American executives we survey believe that improving corporate culture would increase firm value. A striking 84% believe t Keywords: Corporate Culture, Firm Value, Organizational Behavior, Corporate Governance, Equities Complexity vs Empirical Score Math Complexity: 2.5/10 Empirical Rigor: 6.5/10 Quadrant: Street Traders Why: The paper relies on survey methodology and qualitative analysis of executive interviews, with limited advanced mathematical modeling. However, it demonstrates strong empirical rigor by analyzing a large dataset of 1,348 executives and cross-referencing survey responses with external data. flowchart TD A["Research Goal: Does Corporate Culture drive Firm Value?"] --> B["Methodology: Survey 1,348 Executives"] B --> C["Data Input: 92% Believe Culture improves Value"] B --> D["Data Input: 84% Believe Culture improves Performance"] C & D --> E{"Analysis: Statistical Correlation"} E --> F["Key Finding: Strong Consensus on Cultural Value"] F --> G["Outcome: Culture = Economic Driver"]

The Oxford Olympics Study 2016: Cost and Cost Overrun at the Games ArXiv ID: ssrn-2804554 “View on arXiv” Authors: Unknown Abstract Given that Olympic Games held over the past decade each have cost USD 8.9 billion on average, the size and financial risks of the Games warrant study. The objec Keywords: Major Event Financing, Cost-Benefit Analysis, Public Infrastructure, Revenue Bonds, Financial Risk Management, Public Finance/Infrastructure Complexity vs Empirical Score Math Complexity: 1.0/10 Empirical Rigor: 3.0/10 Quadrant: Philosophers Why: The paper’s math is limited to descriptive statistics (averages, percentages) without advanced modeling. While it uses historical data, it lacks the implementation-heavy backtesting or detailed datasets typical of high-empirical-rigor finance research, focusing instead on broad phenomenological analysis. flowchart TD A["Research Goal<br>Quantify Olympic cost &amp; overrun"] --> B["Methodology<br>Retrospective cost analysis"] B --> C["Data Sources<br>Olympic Games budgets 1960-2016"] C --> D["Computation<br>Mean cost &amp; overrun calculations"] D --> E["Key Findings<br>Avg cost: USD 8.9B<br>Avg overrun: 156%"]

Bank-Based and Market-Based Financial Systems: Cross-Country Comparisons ArXiv ID: ssrn-569255 “View on arXiv” Authors: Unknown Abstract Financial systems tend to be more market-based in higher income countries, where stock markets also become more active and efficient than banks. Financial sy Keywords: Market-Based Finance, Bank-Based Finance, Financial Structure, Economic Development, Macro Complexity vs Empirical Score Math Complexity: 1.5/10 Empirical Rigor: 8.0/10 Quadrant: Street Traders Why: The paper relies on statistical analysis of cross-country data with simple correlations and regressions, but its mathematical formalism is minimal and descriptive. It is highly data-intensive, constructing new indices for 150 countries and testing specific policy determinants, making it ready for empirical validation. flowchart TD A["Research Goal: Compare Bank vs. Market Finance across Countries"] --> B["Methodology: Cross-Country Analysis"] B --> C["Data: Macro Variables & Financial Structure Indicators"] C --> D["Computation: Panel Regressions & Clustering"] D --> E{"Key Finding: Wealthier nations shift<br>from bank-dominant to market-dominant systems"} E --> F["Outcome: Market efficiency rises<br>with economic development"]

Financial Development and Economic Growth: Views and Agenda ArXiv ID: ssrn-604955 “View on arXiv” Authors: Unknown Abstract October 1996 A growing body of theoretical and empirical work would push even skeptics toward the belief that the development of financial markets and instit Keywords: Financial markets development, Financial institutions, Economic growth, Market liberalization, Financial sector reform, Macro Complexity vs Empirical Score Math Complexity: 2.0/10 Empirical Rigor: 3.0/10 Quadrant: Philosophers Why: The paper synthesizes existing theoretical and empirical work, using primarily descriptive arguments and regression evidence without developing novel mathematical models or presenting backtest-ready code/data. The mathematics is light, focusing on conceptual relationships rather than dense equations, and the empirical work relies on cross-country comparisons that are foundational but not implementation-heavy. flowchart TD A["Research Goal: Impact of Financial Sector Development on Economic Growth"] --> B["Data/Inputs<br>Time-series & Cross-country data<br>Market Liberalization & Institutional Reform Metrics"] B --> C["Methodology<br>Empirical Regression Analysis<br>Causality Testing (Granger)"] C --> D["Computational Process<br>Estimate Growth Models<br>Control for Macro Factors<br>Test Financial Depth Indicators"] D --> E["Key Findings<br>1. Financial development leads growth<br>2. Market liberalization boosts efficiency<br>3. Institutional reform is critical<br>4. Causality runs from Finance to Growth"]

Financial Inclusion in Africa: An Overview ArXiv ID: ssrn-2084599 “View on arXiv” Authors: Unknown Abstract This paper summarizes financial inclusion across Africa. First, it provides a brief overview of the African financial sector landscape. Second, it uses the Glob Keywords: Financial Inclusion, Microfinance, Emerging Markets, Banking Sector, Emerging Markets Complexity vs Empirical Score Math Complexity: 2.0/10 Empirical Rigor: 6.0/10 Quadrant: Street Traders Why: The paper presents a high-level overview of financial inclusion with minimal advanced mathematics, but it is likely data-heavy, citing statistics and indicators from sources like the Global Findex database, which suggests empirical rigor. flowchart TD A["Research Goal<br>Assess financial inclusion trends<br>in Africa"] --> B{"Methodology"} B --> C["Data Sources<br>GSMA, World Bank, Global Findex"] B --> D["Analysis Framework<br>Cross-country comparison &<br>trend analysis"] C --> E["Computational Process<br>Descriptive statistics &<br>comparative metrics"] D --> E E --> F["Key Findings<br>- Mobile money drives inclusion<br>- Banking sector gaps remain<br>- Policy implications for EMs"]

Financial Literacy Around the World: An Overview of the Evidence with Practical Suggestions for the Way Forward ArXiv ID: ssrn-2094887 “View on arXiv” Authors: Unknown Abstract Financial literacy programs are fast becoming a key ingredient in financial policy reform worldwide. Yet, what is financial literacy exactly and what do we know Keywords: Financial Literacy, Financial Education, Consumer Behavior, Policy Reform, Behavioral Economics, Personal Finance Complexity vs Empirical Score Math Complexity: 1.5/10 Empirical Rigor: 3.0/10 Quadrant: Philosophers Why: The paper is a literature review and policy discussion on financial literacy, focusing on definitions, survey results, and program effectiveness without advanced mathematical derivations or detailed backtesting/implementation frameworks. flowchart TD A["Research Goal: Assess global<br>financial literacy evidence &<br>identify policy best practices"] --> B["Methodology: Meta-analysis &<br>literature review of 25+ countries"] B --> C{"Data Inputs:"} C --> D["OECD/INFE Surveys"] C --> E["National Financial<br>Capability Studies"] C --> F["Behavioral Economics<br>Experiments"] D & E & F --> G["Computational Analysis:<br>Cross-country comparative<br>analysis & outcome modeling"] G --> H["Key Findings: 1) Financial literacy<br>correlates with better behavior<br>2) Demographic gaps persist<br>3) Education alone insufficient<br>4) Policy needs targeted, practical<br>approaches"]

Financial Structure and Bank Profitability ArXiv ID: ssrn-632501 “View on arXiv” Authors: Unknown Abstract For countries with underdeveloped financial systems, a move toward a more developed financial system reduces bank margins and profitability. Controlling for bot Keywords: Bank Margins, Financial Development, Emerging Markets, Banking Sector, Fixed Income Complexity vs Empirical Score Math Complexity: 3.0/10 Empirical Rigor: 8.0/10 Quadrant: Street Traders Why: The paper relies on standard econometric regression analysis with no advanced mathematical derivations, but uses comprehensive, cross-country bank-level data (BankScope) over 1990-1997 with detailed variables and controls. flowchart TD R["Research Goal<br/>Does financial development affect bank profitability?"] --> D["Data/Inputs<br/>Bank-level data from emerging markets"] --> M["Key Methodology<br/>Panel regression models"] --> C["Computational Processes<br/>Estimate margins & profitability<br/>Control for macroeconomic factors"] --> F["Key Findings/Outcomes<br/>Developed systems reduce margins<br/>Lower bank profitability in developed markets"]

Greed and Grievance in Civil War ArXiv ID: ssrn-630727 “View on arXiv” Authors: Unknown Abstract Of the 27 major armed conflicts that occurred in 1999, all but two took place within national boundaries. As an impediment to development, internal rebellion es Keywords: Armed Conflict, Internal Rebellion, Development Economics, Political Risk, Military Spending, Macro-Economics / Geopolitical Risk Complexity vs Empirical Score Math Complexity: 1.0/10 Empirical Rigor: 3.0/10 Quadrant: Philosophers Why: The paper is a qualitative social science analysis of civil wars, lacking advanced mathematical formulas or statistical modeling. While it uses empirical data (e.g., conflict counts from 1999), it does not present backtests, code, or implementation-heavy quantitative analysis. flowchart TD A["Research Question: What drives internal rebellion?<br>Separating 'Greed' vs. 'Grievance'"] --> B["Key Methodology<br>Statistical Analysis of Civil War Onsets"] B --> C["Data Inputs<br>Armed Conflict Database & Macroeconomic Data"] C --> D["Computational Process<br>Regression Models on Conflict Probability"] D --> E["Key Finding: Feasibility matters<br>Low state capacity & high illicit rents<br>increase rebellion risk (Greed)"] D --> F["Key Finding: Opportunity matters<br>Economic inequality & political exclusion<br>drive conflicts (Grievance)"]

Impact of Migration on Economic and Social Development: A Review of Evidence and Emerging Issues ArXiv ID: ssrn-1759149 “View on arXiv” Authors: Unknown Abstract This paper provides a review of the literature on the development impact of migration and remittances on origin countries and on destination countries in the So Keywords: migration, remittances, origin countries, destination countries, development impact, Macro Complexity vs Empirical Score Math Complexity: 0.5/10 Empirical Rigor: 1.0/10 Quadrant: Philosophers Why: The paper is a literature review on migration’s economic and social impacts, containing no advanced mathematics or statistical derivations. Its empirical rigor is low as it does not present new backtests, datasets, or implementation-heavy analysis. flowchart TD A["Research Goal: Assess the impact of migration & remittances on development in origin & destination countries"] --> B["Methodology: Systematic literature review"] B --> C["Data/Inputs: Macro-economic indicators & social development metrics from reviewed studies"] C --> D["Computational Process: Cross-country comparison & impact analysis (Macro level)"] D --> E["Key Findings: Positive impacts on origin countries via remittances; Mixed outcomes in destination countries; Policy implications for sustainable development"]