Marketing Financial Services to the African-American Consumer: A Comparative Analysis of Investment Portfolio Composition

2002 ◽  
Vol 44 (4) ◽  
pp. 39-64 ◽  
Author(s):  
Thomas H. Stevenson ◽  
D. Anthony Plath
Keyword(s):  
African American ◽  
Comparative Analysis ◽  
Financial Services ◽  
Investment Portfolio ◽  
Portfolio Composition ◽  
American Consumer

scholarly journals The African-American Financial Services Market: Profiling The Substantiality And Viability Of An Underserved Segment

2011 ◽  
Vol 2 (2) ◽  
Author(s):  
Thomas H. Stevenson ◽  
D. Anthony Plath
Keyword(s):  
African American ◽  
Financial Services ◽  
Investment Portfolio ◽  
Survey Of Consumer Finances ◽  
Black And White ◽  
Consumer Finances ◽  
Portfolio Composition ◽  
The Difference ◽  
The U.S ◽  
Do So

The purpose of this study is to help marketers recognize, understand and respond to the underserved African-American financial services market in the U.S. To do so, the study examines demographic trends and financial consumption patterns of African-American consumers, drawing on the most recent Survey of Consumer Finances to explore the principal differences between black and white households asset holdings and financial product and service preferences. Findings indicate that the African-American market has grown rapidly in size and viability over the past decade, and that African-American consumers differ markedly from their white counterparts in terms of financial product preferences and investment portfolio composition. The difference between the two segments is especially evident in the case of relatively more risky, but higher return, financial products. Based on these findings it is apparent that marketers should endeavor to reach this increasingly attractive but underserved segment of the U.S. financial services marketplace.

scholarly journals Comparative analysis of triple-negative breast cancer transcriptomics of Kenyan, African American and Caucasian Women

2021 ◽  
Vol 14 (7) ◽  
pp. 101086
Author(s):  
Mansoor Saleh ◽  
Darshan Shimoga Chandrashekar ◽  
Sayed Shahin ◽  
Sumit Agarwal ◽  
Hyung-Gyoon Kim ◽  
...  
Keyword(s):  
Breast Cancer ◽  
African American ◽  
Comparative Analysis ◽  
Triple Negative Breast Cancer ◽  
Triple Negative ◽  
Caucasian Women

scholarly journals PROPERTY-SYNDICATION INVESTMENT V PROPERTY SCAM: WHO DECIDES? A CRITICAL EXAMINATION OF THE REGULATION OF PUBLIC-PROPERTY SYNDICATION SCHEMES IN SOUTH AFRICA

Obiter ◽  
2021 ◽  
Vol 34 (2) ◽  
Author(s):  
Tanya Woker
Keyword(s):  
Financial Services ◽  
Essential Element ◽  
Critical Examination ◽  
Investment Portfolio ◽  
Public Property ◽  
Reserve Bank ◽  
Investment Opportunities ◽  
Full Picture ◽  
Vulnerable Consumers ◽  
The Individual

Building an investment portfolio is an important part of saving for retirement. This not only benefits the individual concerned but it also has benefits for the economy as a whole. Investment in property is regarded as an essential element of an investment portfolio and many investors have over the years invested in public-property syndications. Unfortunately such investments have proved to be very risky and there have been some spectacular failures with severe consequences especially for elderly, vulnerable consumers. There is a need to ensure that all investment opportunities are properly regulated and different aspects of property syndications are regulated by different regulators including the Reserve Bank, the Department of Trade and Industry, the newly established Consumer Commission and the Financial Services Board. There seems to be some confusion amongst regulators over which entity is ultimately responsible for ensuring that such investments are sound and reliable and that consumers can have faith that they are not investing in a scam. The fact that no one regulator is responsible for overseeing the full picture is problematic because it enables the unscrupulous to slip under the radar and avoid detection. This paperseeks to consider the question of which regulator is or should be responsible for regulating public-property syndications and to make some suggestions for reform going forward.

An analysis of papers published in the Journal of European Real Estate Research, 2008-2019

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Martin Hoesli
Keyword(s):  
Comparative Analysis ◽  
Real Estate ◽  
Eastern Europe ◽  
Portfolio Management ◽  
Design Methodology ◽  
Central And Eastern Europe ◽  
Investment Portfolio ◽  
Content Type ◽  
Real Estate Research ◽  
Key Dimensions

Purpose The purpose of this paper is to analyze papers that have been published in the Journal of European Real Estate Research since its inception in 2008. Design/methodology/approach The author analyzes papers published from 2008 to 2019 in the Journal of European Real Estate Research by authors’ country of affiliation, by country of study and by theme. Findings The Journal of European Real Estate Research publishes papers from scholars from an increasing number of countries, in particular in Central and Eastern Europe. Papers that provide a comparative analysis of countries constitute the largest category of contributions. The three most popular themes remain housing, valuation and investment/portfolio management. However, the dynamics of the three categories differ notably. Originality/value This paper provides for a clearer understanding of key dimensions of real estate research in Europe.

Spirituality among African Americans

2021 ◽  
pp. 154-176
Author(s):  
Jason E. Shelton
Keyword(s):  
African American ◽  
Comparative Analysis ◽  
African Americans ◽  
Personal Identity ◽  
Racial Differences ◽  
National Survey ◽  
African American Community ◽  
Black And White ◽  
Spiritual But Not Religious ◽  
Blacks And Whites

This chapter assesses the importance of spirituality among African Americans. More specifically, it examines the extent to which respondents in a large, multiyear national survey view themselves as a “spiritual person.” Four sets of comparative analysis are offered: (1) racial differences among black and white members of various evangelical Protestant traditions, (2) racial differences among black and white members of various mainline Protestant and Catholic traditions, (3) denominational differences specifically among African Americans, and (4) racial differences among blacks and whites who view themselves as “spiritual but not religious.” The findings reveal significant interracial and intraracial differences in how spirituality shapes one’s personal identity. Because organized religion has historically been so central to African American community life, the implications for the growth in noninstitutional spirituality are considered.

scholarly journals Towards Single Market in Financial Services: Highlights of the EU and the EAEU Financial Markets Regulation

2020 ◽  
Vol 8 (1) ◽  
pp. 111-137
Author(s):  
Rustam Kasyanov ◽  
Anzhelika Kriger
Keyword(s):  
Comparative Analysis ◽  
Financial Markets ◽  
Financial Services ◽  
Market Regulation ◽  
The European Union ◽  
European Union Law ◽  
Member States ◽  
Advantages And Disadvantages ◽  
The Eu ◽  
Financial Markets Regulation

The article covers key formats of interstate cooperation in the post-Soviet space. The authors conclude that the Eurasian Economic Union is the major integration project bringing together Armenia, Belarus, Kazakhstan, Kyrgyzstan, and Russia. This research addresses various legal issues related to founding of the EAEU single financial services market with provisions and annexes of the EAEU Treaty studied. The EAEU meets challenges and creates legal and institutional framework for single financial services market within a relatively short timeframe. By 2025 both Supranational Eurasian financial regulator should be established and EAEU legislation on financial services should be harmonized. These tasks require international and national regulation experience. Therefore through the use of comparative analysis some advantages of the European Union law in the field of financial services market regulation are pointed out alongside with particular national legislation aspects of the EAEU member states in the similar or relative fields. Comparative analysis provides for determination of modern approaches to financial services market regulation in the EAEU and its member states, and allows to emphasize advantages and disadvantages of such regulation. Comparative analysis is applied to specifically investigate three subject areas of high relevance for global financial community: institutional forms of trade in financial instruments; organized trade in financial derivatives; organization of algorithmic and high-frequency algorithmic trading. Conclusion drawn is that the EU experience in the matters of financial markets regulation is of particular interest for the EAEU and its member states.

scholarly journals The Determinants of PayTech’s Success in the Mobile Payment Market—The Case of BLIK

2021 ◽  
Vol 14 (9) ◽  
pp. 422
Author(s):  
Joanna Błach ◽  
Monika Klimontowicz
Keyword(s):  
Comparative Analysis ◽  
Business Model ◽  
Financial Services ◽  
Success Factors ◽  
Inductive Method ◽  
Market Behavior ◽  
Key Success Factors ◽  
Adoption And Diffusion ◽  
Number Of Customers ◽  
And Diffusion

FinTech and its interaction with banking is widely discussed today as a new phenomenon notwithstanding the relationship between technology and financial services is not a new topic. Most of the research focuses on innovations and determinants of their adoptions including among other innovations in the payment system. The studies dedicated directly to PayTechs as a special kind of a FinTech entity and its market activity are a relatively new field of research. This paper aims to fill this gap. The multidimensional character of this exploratory research causes the necessity to apply various research methods, including both inductive and deductive methods, together with comparative analysis. The theoretical analysis conducted in the paper for defining PayTechs from the perspective of business model and market behavior was based on an in-depth literature review. In this section, the inductive method and comparative analysis were mostly applied. The empirical part of the paper includes the analysis of quantitative data published by the National Bank of Poland (NBP), Central Statistical Office (GUS), and Bank for International Settlements (BIS). The subject of the case is the Polish Payment Standard referred to as BLIK implemented in Poland in 2015 for mobile payments. The BLIK diffusion is measured by the number of entrants and acceptants as well as the scope of transactions while the adoption by the number of customers using BLIK in everyday transactions. The results present the market behavior of BLIK as an open business model and the key success factors of BLIK adoption and diffusion and the determinants for further open payment innovations’ development. The newly developed definition of PayTechs, the identification of the major components of the PayTech open business model, as well as the indication of the key success factors of adoption and diffusion of m-payments, constitute the original contribution of the paper.

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