Browsing by Author "Alqahtani, Muteb"

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Behavioural Finance.
(Bangor University, 2023-08-31) Alqahtani, Muteb; He, Heather
This research delves into the impact of social media, news media, and AI chatbots on retail investing, focusing on how these factors influence financial decisions. The study is divided into three main sections. The first section examines the influence of social interactions on investment decisions, emphasizing information sharing, peer attention, social learning, and herd mentality. The second section explores the impact of media on individual investors and financial markets, highlighting the effects of media optimism and pessimism on equity markets. The final section critically evaluates these effects and provides insights into the world of retail investment, emphasizing the power of media in shaping investors' perceptions and market behavior. Overall, this analysis aims to deepen our understanding of the complexities of the investment landscape in the context of social and media influences.
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Dividends in Corporate Finance and Investment
(Bangor University, 2023-08-31) Alqahtani, Muteb; Gwilym, Owain ap
Dividend-centric portfolio investment strategies have gained prominence, particularly during economic downturns and uncertain times. This study explores the advantages of dividend-focused strategies, highlighting their predictability, risk mitigation, tax optimization, liquidity, strategic adaptability, competitive yields, and dependability. The predictability of dividend income, supported by consistent patterns of dividend disbursement, allows investors to anticipate and plan for income streams. Dividend stability is crucial for corporate reputation and investor perception, driving prudent stock selection based on historical dividend behavior. Factors like the Fama & French model further enhance stock selection processes, ensuring reliable income amidst market fluctuations. Tax efficiency is a critical consideration, with certain regions offering tax exemptions on dividend income, making dividend-paying stocks attractive for tax-conscious investors. Despite economic uncertainties, dividend investing remains a cornerstone for reliable income and efficient asset allocation. The COVID-19 pandemic significantly impacted corporate dividend policies, causing a decline in dividends, particularly affecting larger corporations and state-owned enterprises. However, some firms maintained or even increased dividends, showcasing the complexity of market responses during crises. The concepts of the bird-in-hand, dividend signaling, and dividend irrelevance hypotheses provide contrasting viewpoints on the link between dividends and firm value. While dividend investing offers numerous advantages, it is important to acknowledge its limitations, such as vulnerability to market fluctuations. Geographic variances strongly impact the effectiveness of dividend-based strategies, highlighting the need for diversification and adaptation to local market conditions. Overall, dividend-focused strategies offer a compelling approach in financial markets, providing stability and potential for competitive returns, amidst uncertainties and fluctuations.
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Financial Technology
(Bangor University, 2023-08-31) Alqahtani, Muteb; Gwilym, Owain ap
The integration of technology into finance has given rise to fintech, revolutionizing the financial services industry. This paper examines two notable fintech companies, Mercury and Qonto, focusing on their business models, innovations, and competitive landscapes. Mercury and Qonto exemplify fintech by leveraging technology to provide innovative financial solutions to startups, freelancers, and SMEs. They have disrupted traditional banking by offering mobile banking services, streamlined processes, and tailored products. Despite their successes, both companies face challenges such as regulatory scrutiny, competition, and limitations in product offerings. Their future success depends on addressing these challenges and continuing to innovate in the dynamic fintech landscape.
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The role of Credit Rating Agencies (CRAs) in financial markets
(Bangor University, 2023-08-31) Alqahtani, Muteb; Khoo, Shee Yee
This report examines the impact of Environmental, Social, and Governance (ESG) factors on the sovereign credit rating system using statistical modeling. Traditionally, credit rating models focused on macroeconomic factors, but there's a growing recognition of the importance of ESG factors in creditworthiness assessment. Data from 10 countries, including ESG and macroeconomic variables, were analyzed using a multivariate regression model. The results show that ESG factors have a significant effect on the credit rating system, with ESG variables enhancing the accuracy of the rating model. The findings support the need for credit rating agencies to incorporate ESG factors into their assessment frameworks. This research provides valuable insights for policymakers and investors in evaluating sovereign debt sustainability.
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