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• Banking
• Personal finance
• Business plan creation
• Business innovation and design

Professor Grossman’s research focuses on electronic payments and bank deposits. He has authored multiple commissioned research reports and delivered presentations on interchange fees, the financial impact of debit and credit card regulations, and the role of private deposit insurance within banking. His research also explores payment acceptance costs for small businesses and the economic contribution of natural resources to local economies.

Selected Published Commissioned Research:

• (American Share Insurance)ÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌý ÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌý ÌýÌýÌýÌýÌýÌý May 2026
• Future Harm from New Credit Card Regulations (America’s Credit Unions)ÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌý January 2024
• Aging and Banking (Charlie)ÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌý January 2024
• The Harmful Impacts of Removing Sales Tax from Interchange Calculations (CUNA)ÌýÌýÌýÌýÌýÌýÌýÌýÌýÌý October 2023
• 2023 Mobile Deposit Benchmark Report (Mitek)ÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌý Ìý August 2023
• The True Impact of Interchange Regulation (CUNA)ÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌý ÌýÌýÌýÌýÌýÌýÌý July 2023
• How Social Issues Impact Americas’ Financial Lives & Relationships (Acxiom)ÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌý ÌýÌý March 2023

ÌýOther Research Projects

• Cost of payments in small business restaurants ÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌý 2026
• Economic contribution of lakes in Kosciusko County ÌýÌýÌýÌý 2026-2027
• Development of an analytics driven financial health score (Cornerstone Advisors) ÌýÌýÌýÌý 2023-2024
• Led research for a national study of retail deposit trends (FICO-3 Years) ÌýÌýÌýÌý 2019-2022
• Financial wellness success indicators for predictive scoring (FICO) ÌýÌýÌýÌý 2021-2022
• Product innovation research: consumer panels & focus groups (Bank of America) ÌýÌýÌýÌý 2012-2013
• Ethnographic research of individual and family saving patterns (Bank of America) ÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌýÌý 2012

• Christian Business Faculty Association – CBFA
• Kosciusko Chamber of Commerce
• INFORMS: The Institute for Operations Research and the Management Sciences

– ÌýWhat Is A Budget?

Academic Publications

• Small Teaching: A Review.ÌýChristian Business Academy Review,Ìý19(1) 2024

Business Publications Citations:

• Business Creativity and Innovation: Perspectives and Best Practices 2019
• Innovation Games: Creating Breakthrough Products Through Collaborative Play ÌýÌýÌýÌýÌýÌýSeptember 2006

Business Publications:

• Cornerstone Advisors GonzoBanker – Articles related to banking and research topics 2022-2024
• com Blog – Multiple articles related to retail deposits and financial wellness ÌýÌýÌýÌý 2019-2022
• Bank Business News – Intelligent Goal-Based Savings ÌýÌýÌýÌýÌýÌýÌýJuly 2020
• Monthly Labor Review, Bureau of Labor Statistics ÌýÌýÌýÌý 1992-1993

• Christian Business Faculty Association: Ethics of Personal Financial Data Usage: November 2023
• America’s Credit Unions: Congressional Caucus – Sales tax and interchange: September 2024
• The Institute for State Policy Leaders: Electronic payments: October 2024
• State of Tennessee: TACIR hearing on sales tax and interchange ÌýÌýÌýÌýÌýÌýÌýÌý September 2024
• America’s Credit Unions: Congressional Caucus – Sales tax and interchange ÌýÌýÌýÌýÌýÌýÌýÌý September 2024
• CUNA Government Affairs Conference: Interchange: Coming At It from All Sides ÌýÌýÌýÌýMarch 2024
• Christian Business Faculty Association: Ethics of Personal Financial Data Usage ÌýÌýÌýÌýÌýÌýÌýÌýÌý November 2023
• Credit Union National Association CEO Roundtable: Impact of Interchange Regulation ÌýÌýÌýÌýÌýÌý April 2023
• SouthState Bank Podcast Series: Niche Banking Ìý January 2023
• GFMI Retail Deposit Pricing Optimization Conference: Predictive Analytics in Deposits ÌýÌýÌýÌýÌýÌý 2021-2022
• FICO World: State of Overdraft & Personal Finance ÌýÌýÌýÌýÌýÌýÌý May 2022
• FICO Expert Roundtable: Financial Wellness ÌýÌýÌýÌýÌýÌýÌý May 2021

• Running
• Hiking
• Fly fishing

We live and work in a collaborative and vibrant business community allowing students to learn and apply skills to be future business leaders. The School of Business faculty work together to allow our students to flourish and use their God given gifts.