First and foremost, I extend my deepest gratitude to Professor David Erickson, my faculty advisor, whose insights and guidance were indispensable throughout this research. His expertise and patience not only shaped this work but also inspired me to explore my interests in the intersection of technology and finance with rigor and enthusiasm. I am also immensely grateful to Joseph Wharton Scholars Director, Utsav Schurman, and Professor Catherine Schrand for their invaluable support and educational leadership. Their dedication to fostering a learning environment that challenges and nurtures inquisitive minds has profoundly enriched my academic journey at Wharton. A special thanks to my family—Karen, Harrison, and Daisy. Your unwavering support and belief in my capabilities have been my anchor and motivation. Thank you for your endless love, encouragement, and the countless sacrifices you have made to see me succeed. This thesis could not have been accomplished without the contributions and support of the individuals mentioned above, along with many others in the Wharton community and beyond. Thank you all for your part in this journey.