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Dr. Jia's research is primarily empirical and span applications in financial accounting, the influence of emerging financial technologies, and digital transformation in banking practices. His studies also involve areas such as climate change social norms, IPO underpricing, financial stability, citizens' financial literacy, and economics of discrimination. Jason earned his PhD from Schulich School of Business, York University. He is a Chartered Financial Analyst (CFA®) and practiced in the bank treasury department.
Selected Publications:
X. Jia. 2024. FinTech Penetration, Charter Value, and Bank Risk-Taking. Journal of Banking and Finance.
https://doi.org/10.1016/j.jbankfin.2024.107111
X. Jia and K. Kanagaretnam. 2024. Digital Inclusion and Financial Inclusion: Evidence from Peer-to-peer Lending. Journal of Business Ethics.
https://doi.org/10.1007/s10551-024-05689-w
X. Jia, K. Kanagaretnam, C.Y. Lim, and G.J. Lobo. 2023. Financial Literacy and IPO Underpricing. Journal of Financial and Quantitative Analysis.
https://doi.org/10.1017/S0022109023000315
M. Guo, X. Jia, J. Jin, K. Kanagaretnam, and G.J. Lobo. 2023. Expasionary Monetary Policy and Bank Loan Loss Provisioning. Journal of Risk and Financial Management.
https://doi.org/10.3390/jrfm17010008
Ongoing projects and working papers:
Benefits and Consequences of CECL Adoption During COVID-19 (Under review, 2nd round)
Machine Lending and Discrimination: Evidence from Peer-to-peer FinTech Lending (Almost ready for submission)
New Project: Economic implications of climate change social norms (idea development)
New Project: Financial Literacy, Information Quality, and Corporate Governance (idea development)
New Project: Banks’ Digital Transformation, Credit Quality, and Financial Reporting Effectiveness (idea development)
External Research Grants
- Social Sciences and Humanities Research Council (SSHRC) - Insight Grant (Principal investigator), 2024-2028. ($75,000)
- Topic: Financial Literacy, Information Quality, and Corporate Governance.
- Topic: Financial Literacy, Information Quality, and Corporate Governance.
- Social Sciences and Humanities Research Council (SSHRC) - Insight Development Grant (Principal investigator), 2024-2027. ($55,000)
- Topic: Banks’ Digital Transformation, Credit Quality, and Financial Reporting Effectiveness.
- This Grant Proposal was ranked first out of forty-eight applications submitted to this SSHRC Selection Committee.
Internal Research Grants
- CPA Laurier Centre (Principal investigator), 2022-2024
- CPA Schulich Alliance (Principal investigator), 2021-2023
X. Jia. 2024. FinTech Penetration, Charter Value, and Bank Risk-Taking. Journal of Banking and Finance.
https://doi.org/10.1016/j.jbankfin.2024.107111
X. Jia and K. Kanagaretnam. 2024. Digital Inclusion and Financial Inclusion: Evidence from Peer-to-peer Lending. Journal of Business Ethics.
https://doi.org/10.1007/s10551-024-05689-w
X. Jia, K. Kanagaretnam, C.Y. Lim, and G.J. Lobo. 2023. Financial Literacy and IPO Underpricing. Journal of Financial and Quantitative Analysis.
https://doi.org/10.1017/S0022109023000315
M. Guo, X. Jia, J. Jin, K. Kanagaretnam, and G.J. Lobo. 2023. Expasionary Monetary Policy and Bank Loan Loss Provisioning. Journal of Risk and Financial Management.
https://doi.org/10.3390/jrfm17010008
Teaching Interests:
Financial Accounting
Financial Statement Analysis
Financial Data Analysis
Courses Taught:
Intro. to Financial Accounting (BU127)
Intermediate Accounting I (BU387)
Intermediate Accounting II (BU397)