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Expert Insight: The Voice of Alexa: How Speech Characteristics Impact Consumer Decisions

In the 2020 film “Superintelligence,” an all-powerful artificial intelligence attempts to take over the world, and it studies an average person, played by Melissa McCarthy, to decide if humanity is worth saving. The AI is voiced by James Corden—a voice it chooses because it knows it’s one McCarthy’s character will engage with. Rajiv Garg, associate professor of Information Systems & Operations Management at Emory’s Goizueta Business School, shows the “Superintelligence” trailer before his research presentations to set the tone. Garg conducts research that explores the impact of artificial intelligence voices on consumer behavior and purchase intent, along with Haris Krijestorac, a professor at HEC Paris, and Vijay Mahajan, a professor from The University of Texas at Austin. Garg’s research began when Amazon launched celebrity voices for its Alexa device in 2019. From Samuel L. Jackson to Shaquille O’Neal, users can now get their news and entertainment, while interacting with their favorite superstars. “I questioned if certain voices could get more engagement or more purchases from consumers,” Garg says. If Alexa starts talking to you in Samuel L. Jackson’s voice, will you continue the conversation? What could Samuel L. Jackson’s voice sell you that you would buy?   Garg and his team began their research by collecting more than 300 celebrity voice samples, which they analyzed based on their sound characteristics, such as amplitude, frequency, and entropy. They looked at 20 sound characteristics and identified that all the voices could be segmented into six clusters: ostentatious, colloquial, friendly, authoritative, seductive, and suave. The team then created advertisements for select products using computer generated voices for each of the six clusters, opting for artificial intelligence-created speech instead of celebrity deep fakes due to permission legalities. They chose a shoe and an office chair as their products, and created two different advertisements for each product. One ad was simple, denoting the shoe as comfortable for all-day wear and the office chair as comfortable for sitting in for extended time periods. The other ad was hedonic, denoting the shoe as crafted with Italian leather and the office chair equipped with several massage features. They recorded the four advertisements using both a female and male voice for all six voice clusters. Study participants listened to each of the four advertisements in one of the 12 voices, which was randomly selected. After the advertisement was played, participants were asked if they wanted more information, and later, if they wanted to buy the product (omitting the price as to not add another factor to their decision making). Influencing Consumer Behavior For simple, utilitarian products, they found no significant effect of voice on information seeking behavior. Garg says once participants hear this type of advertisement, they simply decide to purchase or move on. Participants do, however, engage more in information seeking behavior for hedonic products when the voice is ostentatious, seductive, or authoritative. The team also found men were more likely than women to engage with ostentatious or seductive voices, and women were more likely to engage with friendly or colloquial voices. Overall, they found participants did not seek information with male voices. For information seeking, men and women only engage if the voices are female, which is somewhat intuitive. The industry is doing this—Alexa, Google, and Siri all have a female voice. In terms of purchase intention, they found ostentatious voices have higher yields for utilitarian products. Men, especially, were more likely than women to purchase a utilitarian product advertised in an ostentatious voice. Think about advertising a stapler. It’s a stapler—it staples paper—but you advertise it in a French accent to make it sound interesting. Conversely, for hedonic products, an ostentatious voice has a negative effect on purchase intent because Garg says it can make the product sound gimmicky. Their research shows colloquial voices do the best here because people focus more on the advertisement’s content. Across the board, they found seductive voices have a negative effect on purchase intent, but more so on utilitarian products compared to hedonic ones. Men were more likely than women to respond positively to seductive and suave voices. Applying the results Voices are another way smart device companies can personalize their customers’ experiences. Garg says these companies should be aware that there may be a certain voice that will garner the best engagement. Their findings are not isolated to business, but may apply to other industries, such as the media. Garg says, for example, if publications intend to increase reader curiosity and engagement, they should use a female colloquial voice on “click to listen” features. Although not yet tested, Garg says he wouldn’t be surprised if their results extend to real-world settings with real human voices as well. During their research, Garg’s team asked participants if they had heard the advertisement voices before, and about 15 percent of respondents says they had. "These were voices we’d created for the first time,” Garg says. “If they say they’ve heard the voice before, that means they were thinking of them as human voices. Although we didn’t study it that way, I do believe what we’re seeing will be relevant for actual human being’s voices and interactions.” Having researched this for years, Garg says every time he listens to a voice, whether a customer service representative or podcast host, he questions whether or not it is impacting his behavior. A lot of times when I’m making a decision, I know that I’m making that decision passively because of the voice. “I’m acting 50 percent based on the rational information in the voice, but the other 50 percent I just want to listen more. There is an inherent desire for a certain voice.” Garg says his favorite part of the research are those “aha moments,” whether they be the influence of voice in his own life or in the industry—such as large companies using female voices in their products to draw engagement. He says he hopes to continue doing this kind of research to help startups and other companies perform better, as AI-powered voices continue to change the way people interact with technology and consume information. “We’re finding these interesting phenomena that can help create new products that are more effective,” Garg says. “I am trying to increase the economic surplus, in some ways to improve society, and this technology presents numerous opportunities.” Looking to know more?  Rajiv Garg from Emory’s Goizueta Business School is available to speak with media – simply click on his icon now to arrange an interview today.

Why shoppers are paying more for a fake Amazon discount

By Halle Burton According to new research by Jinhong Xie, a Warrington College of Business professor at the University of Florida, more than a quarter of Amazon vacuum cleaners sold have increased their prices while pretending to offer discounts. Xie’s pricing phenomenon research is joined with Sungsik Park at the University of South Carolina and Man Xie at Arizona State University, publishing their analysis in the Marketing Science journal. A product’s price increase is paired with a previously unadvertised listing price, which encourages Amazon shoppers to receive a deceitful false discount. This faux discount drove higher sales despite the price increase, and shoppers end up paying 23% more on average. “When you see this list-price comparison, you naturally assume you are getting a discount. It’s not just that you didn’t get a discount. You actually paid a higher price than before the seller displayed the discount claim,” said Xie. Regulations currently prohibit deceptive pricing by requiring truthful price comparisons from the sellers, but a list price can still be misleading under these circumstances. Shoppers are misled by the timing of price comparisons where retailers advertise a price discount that actually only gives the impression of a deal. “Current regulations are all about the value of the list price, and they don’t say anything about misleading consumers by manipulating the timing of the list price’s introduction,” Xie said. Xie and her colleagues followed more than 1,700 vacuums on Amazon from 2016 to 2017 gathering observational data on their prices. “We found that by increasing the price by 23% on average, the seller achieves a 15% advantage in their sales rank among all products in the home and kitchen category,” Xie said. Xie encourages consumers to be aware, not make assumptions about discount claims and utilize multiple websites to compare prices. “We think that consumer organizations and regulators should evaluate this new marketing practice to determine whether and how to manage it.”

Comment: UK Government alert text message test

The UK government recently conducted a nationwide test of their emergency alert system by sending out text messages to all mobile phone users in the country. The test has sparked a range of reactions from the public, including concerns about the effectiveness of the system and the potential for false alarms. What did we learn from Sunday's test? Is it a concern that it apparently didn't work for everybody? As we would expect, not everything went to plan. However, that is the point of preparing and doing this kind of test – to find out what parts of the system works before it is relied upon. The implementation of a new system rarely works perfectly. Sunday’s test was useful to show people what to expect from the alarm system and to identify any aspects that need to be corrected and improved to make the system more effective. It is not so much a concern that the test didn’t work for everyone; it is only of concern if we don’t know how to fix the problem and/or don’t take identified steps to fix it. Is there a risk that public confidence has been undermined here? Is there also a risk of false alarms? The government needs to manage its public awareness campaign – swiftly and fully. Public confidence need not be undermined as identifying the faults in the system was exactly what this kind of test was meant to do. However, public confidence will be undermined if the government doesn’t explain that to the public and isn’t completely transparent about what happened and what has been done to improve. False alarms are always a possibility, but the benefits outweigh the risks. Having the right information at the right time can help a lot of people in complicated circumstances. Additionally, the government needs to ensure that the message is worded appropriately. The government should continue to keep messages short and simple so that there is no unnecessary worries or panic for the public. What are the key challenges? There are also issues related to people with anxiety or similar who may be overwhelmed by the noise the alarm makes and/or feel extra anxious from the threat of an emergency, even if it is simply a test alert. There are also those who suffer from domestic violence and may have secret phones so more communications on how to protect these vulnerable groups are required. Anyone without a mobile phone device may have been side-lined – senior citizens, vulnerable people, children – anyone without a command of English and/or isn’t really technologically minded enough to have a mobile device is at risk of not receiving these messages. Why do we need a system like this in place anyway? Preparedness is fundamental to mitigate the impact of any negative situation. The UK government is trying to leverage technology available to the public to get them crucial information when facing a crisis. The value of the system is to make people aware of a major danger and provide information about the best course of action which can be key for their protection. Alert systems are a great way to warn people of an impending situation, but equally important is that there are measures in place to handle an emergency such as evacuation procedures and rehearsals. It is the absence of a plan, contingency or knowing what to do in an emergency that transforms an emergency or disaster into a crisis. As such, we need a system like this because it aids in preparedness measures. The Aston Crisis Management Centre is focused on preparedness – whether it is for a business crisis or a natural hazard as we know that preparing for a crisis or disaster will help reduce the impact and may even help prevent some aspects of the disaster from happening. Not only is there a human cost in an emergency but also economic cost. It is important that preparing for crises reduces the impact of both. It is also important to be aware that in times of crisis and emergency it is important to have unified response and this system is the start of that important process. This article was written by David Cantliff, David Carrington, Oscar Rodriguez-Espindola & Lauren Traczykowski of Aston Crisis Management Centre

MEDIA RELEASE: CAA Insurance Launches the CAA Head Start Discount™, Helping Young Drivers Save on Insurance Costs

CAA Insurance Company is excited to announce the launch of the CAA Head Start Discount™, a program designed to help young drivers save on their insurance costs. The discount is available to the children or dependents of CAA Insurance auto policyholders in good standing. Effective April 15 for new business and June 15 for renewals, the CAA Head Start Discount offers 25 per cent savings to youth in Ontario under the age of 25 with a clean driving record. This discount is part of CAA Insurance's commitment to innovation and offering the best possible options to its customers. "We are proud to be the first company to bring 25 per cent savings to market for young drivers in good standing," says Matthew Turack, group president CAA Insurance. "This new discount is another way that we can help Ontario families save money." CAA Insurance has always made decisions with the best interests of its customers in mind. When designing programs, products, or initiatives, CAA Insurance makes data-driven decisions by polling both policyholders and the public and by asking ourselves the question, "What would a customer like and benefit from?" This question helps the company stay modern and relevant. "We are confident that continuing to innovate and offer savings and programs that cater to the lifestyles of our customers is a strong business decision," says Turack. "The CAA Head Start Discount gives CAA Insurance the ability to be responsive to the needs of our customers and to ensure that we are there for them in every stage of life." Parents or legal guardians of safe drivers who are CAA Insurance policyholders in Ontario can talk to an agent or broker to see if their children or dependents are eligible for the discount.

Going green: Solar and wind power remain the best alternatives to fossil fuels

Find video for use here.  In the U.S., more and more individuals, and even corporations, are making it a priority to go green in an effort to reduce the nation's dependence on fossil fuels. Studies have proven carbon dioxide is a main contributor to human-caused climate change, so we're tapping into natural elements more often to reduce the use of fossil fuels. From solar farms to solar panels on houses and wind turbines, it’s tough not to find efforts to go green, and that’s a move in the right direction, according to Jessica Reichmuth, PhD, professor in the Department of Biological Sciences in the College of Science and Mathematics at Augusta University. She said we’re heading in the right direction, but more can be done. “We are taking the right steps, but I’m not sure if we will be entirely able to be green energy, but we definitely need to be more green than we are today,” said Reichmuth. “Fossil fuels will eventually run out and are a non-renewable resource.” Homeowners and municipalities are tapping into solar panels most often as a green resource. Some concerns include the costs involved and the fact that in most cases, the panels are permanently attached to a house. Reichmuth points to California as an example of a state trying to ease that burden. Some people who are moving into rental houses and know they aren’t going to be there for a long period of time can have a company attach removable panels. There are other companies jumping into the business of leasing solar panels as well. Even small panels the size of a binder located in a backyard can make a big difference in producing a noticeable amount of electricity. These are great steps, said Reichmuth, but more progress can still be made. “We are at a point within society with green technology that we know and understand how to make solar panels, the infrastructure is there to support them, we just need a movement to get them so they’re used everywhere,” Reichmuth said. Wind turbines remain a big source of discussion. Yes, they provide an alternative electric source, but at what cost? A big negative is the possibility of bird strikes. “Birds will learn to navigate around wind turbines. They are not built in a way that they are impervious to long-distance migration.” Hydroelectricity and geothermal energy are two other green sources of energy. There are not a lot of areas in the U.S. that offer geothermal resources, and as far as hydroelectricity goes, there’s still concern in Reichmuth’s eyes. “I think it would be great to see if dams are going to be used for hydroelectricity, but not as a water containment system. There are portions of the U.S., especially in the southwest, that are dealing with water issues because we have dammed them. Hydroelectricity is good if the dam is used specifically for that purpose and not water containment.” Renewable energy, cost savings and ESG are top of mind for corporations, governments and populations as we look to the future, and if you're a journalist covering this topic, then let us help. Jessica Reichmuth is available to speak with media. Simply click on her icon now to arrange an interview today.

Aston University teams up with eye care provider to reduce NHS patient backlog

Aston University and Eye Docs Ltd enter Knowledge Transfer Partnership to establish new shared-care regimes for eye care patients The new model will help patients access Eye Docs surgeons It will help reduce NHS waiting lists, outpatient clinic backlogs, improve patient care and deliver profits of over £8.8 million Aston University has teamed up with private ophthalmic services clinic, Eye Docs, to undertake a 32-month Knowledge Transfer Partnership (KTP), to help clear NHS surgery waiting-lists and outpatient backlogs. In the West Midlands, average NHS waiting times have increased to over 12 months due to the impact of the Covid-19 pandemic, with waiting list contracts ranging from 100 to 1,500 patients. A cross-disciplinary team from Aston University’s School of Optometry and Aston Business School will work with West Midlands-based company Eye Docs to create a ‘shared-care’ model as part of the KTP. A KTP is a three-way collaboration between a business, an academic partner and a highly qualified researcher, known as a KTP associate. The working model will encompass clinical optometry and management science expertise to identify which patient appointments could be undertaken in community practices and which need to be seen by Eye Docs surgeons. It is hoped this way of working will also help reduce pressure on the NHS - creating a more efficient and cost-effective model that will benefit all stakeholders from patients to clinicians. The Aston University team will be led by Professor Shehzad Naroo, professor of optometry, who brings expertise in leading multidisciplinary groups and managing projects that improve eye care service delivery. Professor Naroo has a long history of working with private clinics to improve delivery of eye care, increasing efficiency and widening the role of private clinics to support the NHS. He will be supported by Professor Prasanta Dey, professor in operations and information management, whose research interests are in project management, service operations management, supply chain management and applications of multi-criteria decision making in industry. Completing the team will be Dr Yang Zhao, senior lecturer in operations and information management, whose research interests are in business model design, digital business models, platform business models, digital innovation, digital healthcare and digitalisation in aging societies. Professor Shehzad Naroo, professor of optometry at Aston University, said: “It is a privilege to be involved in this KTP, which will enable Eye Docs to increase patient numbers to fully utilise theatre capacity by receiving more surgical referrals from local optometrists. “We’re thrilled to be able to help Eye Docs to offer community-based services to patients and help to reduce the burden on the NHS.” Professor Shah, consultant ophthalmic surgeon and co-owner of Eye Docs, said: “This partnership will allow us to adopt the latest research and expertise from a world-leading academic institute to develop new patient pathways and shared-care regimes, enabling us to grow our business and profitability, develop new services and improve patient care. “Working with a multidisciplinary team of clinical and business experts from Aston University will help us to achieve the aims of this project.”

Aston University and asbestos consultancy to use AI to improve social housing maintenance

• Aston University and Thames Laboratories enter 30-month Knowledge Transfer Partnership • Will use machine-learning and AI to create a maintenance prioritisation system • Collaboration will reduce costs, emissions, enhance productivity and improve residents' satisfaction. Aston University is teaming up with asbestos consultancy, Thames Laboratories (TL) to improve efficiency of social housing repairs. There are over 1,600 registered social housing providers in England, managing in excess of 4.4 million homes. Each of these properties requires statutory inspections to check gas, asbestos and water hygiene, in addition to general upkeep. However, there is not currently a scheduling system available that offers integration between key maintenance and safety contractors, resulting in additional site visits and increased travel costs and re-work. Aston University computer scientists will use machine-learning and AI to create a maintenance prioritisation system that will centralise job requests and automatically allocate them to the relevant contractors. The collaboration is through a Knowledge Transfer Partnership (KTP) - a collaboration between a business, an academic partner and a highly-qualified researcher, known as a KTP associate. This partnership builds on the outcomes of TL’s first collaboration with Aston University, by expanding the system developed for the company’s in-house use - which directs its field staff to jobs. The project team will improve the system developed during the current KTP to enable it to interact with client and contractor systems, by combining an input data processing unit, enhanced optimisation algorithms, customer enhancements and third-party add-ons into a single dynamic system. The Aston University team will be led by Aniko Ekart, professor of artificial intelligence. She said: “It is a privilege to be involved in the creation of this system, which will select the best contractor for each job based on their skill set, availability and location and be reactive to changing priorities of jobs." TL, based in Fenstanton, just outside Cambridge, provides asbestos consultancy, project management and training to businesses, local authorities, social housing and education facilities, using a fleet of mobile engineers across the UK. John Richards, managing director at Thames Laboratories, said: “This partnership will allow us to adopt the latest research and expertise from a world-leading academic institute to develop an original solution to improving the efficiency of social housing repairs, maintenance and improvements to better meet the needs of social housing residents.” Professor Ekart will be joined by Dr Alina Patelli as academic supervisor. Dr Patelli brings experience of software development in the commercial sector as well as expertise in applying optimisation techniques with focus on urban systems. She said: “This is a great opportunity to enhance state-of-the-art optimisation and machine learning in order to fit the needs of the commercial sector and deliver meaningful impact to Thames Laboratories.”

Optometry researchers recognised at prestigious awards for business partnership in eye health with NuVision

Professor James Wolffsohn and Dr Sònia Travé Huarte in collaboration with NuVision won the Medilink Business Award 2023 for a Partnership between Academia and Business The optometry researchers were recognised with an award for their partnership with a company that develops treatments for ocular diseases The collaboration has directly benefitted patients and enhanced global research knowledge. Researchers in the School of Optometry and Vision Sciences at Aston University have been recognised with an award for their partnership work with NuVision, a company that develops treatments for ocular diseases Professor James Wolffsohn and Dr Sònia Travé Huarte recieved the Medilink Business Award 2023 for a Partnership between Academia and Business at a prestigious ceremony held on 16 March in the Great Hall at the University of Birmingham. Professor Wolffsohn, who is also the head of the School of Optometry at Aston University, said: “We are delighted to have won this Medilink award in partnership with NuVision. This collaboration has directly benefitted our patients with this common chronic, debilitating disease, has enhanced global research knowledge in dry eye management and enhanced the local economy. The team at NuVision are exceptional and it is a pleasure to continue to innovate with them.” NuVision has an expert team of scientific, clinical and industry professionals dedicated to building innovative ocular biotherapies. It was founded in 2015 based on 15 years of translational research at the University of Nottingham. The company develops ocular biotherapies through research and innovation. The Medilink Midlands Business Awards 2023 are sponsored by the University of Birmingham and the Precision Health Technologies Accelerator Ltd. The awards event saw 13 life science companies based in the East and West Midlands receive awards from Start-Up to Outstanding Achievement. A further six companies received Highly Commended certificates. For more information about the School of Optometry and the Vision Sciences Research Group please visit our website.

What You Need To Know About Cybersecurity From the Director of the Rensselaer Future of Computing Institute

Cyber threats have become one of the leading issues for corporations, governments, and public institutions across America. With ransomware attacks, hackers, and other nefarious threats, the issue is becoming a daily occurrence and leading news story. Rensselaer Polytechnic Institute’s James Hendler, director of the Future of Computing Institute, Tetherless World Professor of Computer, Web, and Cognitive Sciences, and director of the RPI-IBM Artificial Intelligence Research Collaboration, weighs in on what we should all know about cybersecurity. Overview Think about cybersecurity the way you think about home security – the more valuables you have, the more security you need. A normal user needs the equivalent of a lock on the door, which most of our computers provide out of the box. However, a user with a fair amount of personal information, who keeps financial records or runs a small business, probably wants a firewall or other additional protection. We used to tell people to protect their computers with firewalls, malware detectors, and the like, but now it is much more important to protect your web access, be wary of external sites, and keep your passwords secure and not easily guessed. Use of a password manager program can be really helpful for people who use a lot of different accounts. Threats The biggest threat facing individuals is identity theft caused by someone getting into an account that you don’t control. Most malware or password stealing comes via a phishing attack (a fake email that convinces you to click a bad link), so if you see an offer that looks too good to be true, don’t believe it. Never give out a password or personal information without confirming that it is legitimate. We also recommend not using major accounts (like Google, Facebook, etc.) to log in to new apps where you aren’t completely sure of the reliability – you’re safer if you use a separate password. It’s also worth noting that these kinds of attacks are now happening on cell phones – if you get a text saying your Amazon, Netflix, or other services have been shut off, be very careful. These companies almost never send out such messages, and if they do, they come via email, not text. For businesses, ransomware is becoming an increasing challenge. Frequent backups and dual authentication are absolute musts for small businesses. Large businesses, and especially those with cyber-physical connections such as a manufacturing device, must have someone on the team who understands internet technology. Outside audits done annually, at least, are also highly recommended. The biggest danger in cybersecurity is that people, especially in businesses, think that the software industry will fix things and that they don’t have to worry. That’s like expecting auto manufacturers to stop car theft, or the government to prevent all crime – these organizations certainly need to help, but they cannot be perfect. So while there definitely needs to be a role for manufacturers and government, people need to understand that the threats are now coming from social interactions such as phishing, or serious criminal enterprises such as ransomware attackers, and not just maladjusted teenagers. They must be ready to pay for some security if they have things on their network that need protection. The Cloud Cloud-based services are a major boon to cybersecurity for individuals and small businesses if, and only if, people protect their access. If a breach is reported to you by a company, don’t ignore it, change your password, and, whenever possible, use dual authentication. The cloud companies can afford to spend more on security than you can and thus your information stored in these services tends to be quite secure. However, people need to be careful in using the cloud. Just as you may trust a bank with your money, you want to be sure not to be robbed on your way there. Future Computing Systems and Cybersecurity New technologies, such as artificial intelligence (AI), are arising all the time in today’s fast-moving cyber world. As these technologies arise, they can create new opportunities for cybersecurity, but can also create new challenges. Cybercrime will never disappear, and each new capability comes with a price. Increased education and awareness of emerging computing technologies (blockchain, quantum, etc.) are important not just for the expert, but also for the general public. It is important to stay informed and pay attention to what is being reported. Just as buying a new appliance can be a great advantage at home (I love my new air-fryer), you also have to be sure to be using it appropriately (used wrong, it can cause fires). Looking to learn more or connect with an expert for your questions and coverage? James Hendler is the director of the Rensselaer Future of Computing Institute, Tetherless World Professor of Computer, Web, and Cognitive Sciences, and director of the RPI-IBM Artificial Intelligence Research Collaboration. Hendler has authored over 400 books, technical papers, and articles in the areas of Semantic Web, artificial intelligence, cybersecurity, and high-performance processing. Hendler is available to speak with media - simply click on his icon now to arrange an interview today.

Is America's banking system in trouble once again?

Nerves are rattled and many are worried as the markets opened Monday to news of another US bank collapse, making that two large banks shuttered in less than a week. It's news that's rocking the financial world on a massive scale. Federal regulators announced on Sunday that another bank had been closed and that the government would ensure that all depositors of Silicon Valley Bank — which failed Friday — would be paid back in full as Washington rushed to keep fallout from the collapse of the large institution from sweeping through the financial system. The Federal Reserve, Treasury and Federal Deposit Insurance Corporation announced in a joint statement that “depositors will have access to all of their money starting Monday, March 13.” In an attempt to assuage concerns about who would bear the costs, the agencies said that “no losses associated with the resolution of Silicon Valley Bank will be borne by the taxpayer.” March 12 - New York Times With an economy already on edge as Americans feel the grip of inflation and worries of recession - this is frightening news and media are scrambling for answers. What is causing the closures of these big banks and how many more will follow? How much money is lost and how much has been protected? Is this 2008 all over again?  Is the federal government doing enough to stop the damage from spreading? What measures need to be put in place by government to assure citizens that their savings, retirement plans and mortgages aren't at risk? And will anyone be held accountable for the billions already lost? There's a lot to explain - and that's where our experts can help. Rebel Cole, Ph.D., a Lynn Eminent Scholar Chaired Professor of Finance, has expertise in global financial institutions, commercial banking and small business finance. He spent 10 years working in the Federal Reserve System and has experience at the the International Monetary Fund and the World Bank. Cole has been interviewed by numerous national media outlets, such as The Wall Street Journal, The New York Times, The Washington Post and Fox Business. Rebel is available to speak to media regarding the current state of banking and what Americans need to watch for or worry about. Simply click on his icon now to arrange an interview today.