Theses and Dissertations

The growth of fintech companies in developing countries has led to increased levels of economic development and financial inclusion. This thesis explores the reasons for the success of these companies, with a focus on the impact they have on the local economy and their ability to provide financial services to underserved populations. The intent of this thesis is to educate the reader on the overall landscape of financial technology companies in developing countries. The writing will examine the specific types of services offered by these fintech companies that operate in developing countries and the catalysts that make them successful. It will also cover the impact that these companies have on the nations they operate in by looking at contributions to overall economic development and financial inclusion. The results of this literature will have implications for business leaders, policymakers, and investors interested in promoting financial inclusion and economic development through fintech.

Prior research has established a relation between parenting behaviors and symptoms of child psychopathology, and this association may be influenced by both genetic and environmental factors. Gene-environment correlation, or the influence of a child’s genes on the environment they receive, represents one possible mechanism through which genes and environment combine to influence child outcomes. This study examined evocative gene-environment correlation in the relation between parenting and symptoms of child psychopathology in a sample of 676 twins (51.5% female, 58.5% Caucasian, 23.7% Hispanic/Latinx, primarily middle class, MAge=8.43, SD=.62) recruited from Arizona birth records. Using univariate ACE twin biometric models, genetic influences were found to moderately contribute to internalizing symptoms (A=.47, C=.25, E=.28), while externalizing (A=.86, E=.14) and ADHD (A=.84, E=.16) symptoms were found to be highly heritable. The genetic influences for positive (C=.54, E=.46) and negative (C=.44, E=.56) parenting were smaller and found to be nonsignificant. The correlations between parenting and types of psychopathology were examined and bivariate Cholesky decompositions were conducted for statistically significant correlations. Negative parenting was moderately positively correlated with externalizing and ADHD symptoms; the relation between externalizing symptoms and negative parenting was found to be due to shared genetics, whereas the relation between negative parenting and ADHD symptoms was due to the shared environment. The mixed results regarding the role of gene environment correlation in relations between parenting and child psychopathology indicate that further research on the mechanisms of this relation is needed.