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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 (3rd round revision, with Kiridaran Kanagaretnam and Haoyu Zhang). Presentation: EAA Annual Congress 2024 in Bucharest, Romania
Machine Lending and Discrimination: Evidence from Peer-to-peer FinTech Lending (with Kiridaran Kanagaretnam and Marcia Annisette). Presentation: CPA Ontario Webinar; EAA Annual Congress 2024; CAAA Annual Meeting 2024
Economic implications of climate change beliefs and attitudes. (with Kiridaran Kanagaretnam and Lorenzo Dal Maso)
Financial Literacy and Corporate Tax Avoidance. (Final stage)
Financial Literacy and Earnings Informativeness. (Final stage)
Financial Literacy and ESG Disclosures. (Final stage)
Financial Literacy and Bank Failure. (Completed Data Analysis)
SEC Investigations (Data Analysis)
New Project (SSHRC supported): 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
BU127 Introductory Financial Accounting
BU387 Intermediate Accounting part I
BU397 Intermediate Accounting part II
BU517 Financial Statement Analysis (Scheduled - Summer 2025)