Balancing consumer protection with seller welfare is a central challenge in platform governance. This study examines returnless refunds—an innovation that reimburses buyers without requiring product returns—and analyzes a policy shift that delegated refund authority to highly rated sellers on a leading e-commerce platform. Using a difference-in-
We are delighted to invite you to the online launch of the Research Handbook on Digital Data: Interdisciplinary Perspectives (Edward Elgar Publishing) on 1 April 2026. The book is co-edited by Aleksi Aaltonen with Marta Stelmaszak and Kalle Lyytinen. The event is open to all, but registration is required
Large language model (LLM)–based advisors increasingly interact directly with consumers, raising the question of whether they mitigate or exacerbate well-documented consumer choice biases. We study this question in the context of gym membership purchases, where consumers are known to systematically overestimate future usage. We address three research questions:
Provide a hands-on, no-code introduction to applying generative AI in everyday finance workflows for your employees.
Associate Professor of Information Systems, Chair of the Information Systems & Analytics
Associate Professor of Information Systems, Entrepreneur, and Editor-in-Chief