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Dr. Jia's research is primarily empirical and span applications in financial accounting, the influence of emerging financial technologies, and several other areas. 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.
Ongoing projects and working papers:
Financial Literacy and Corporate Tax Avoidance (Completed working paper)
Financial Literacy and Earnings Informativeness (Completed working paper)
Several Projects on SEC Investigations (Ideas Initiation Stage)
Banks’ Digital Transformation, Credit Quality, and Financial Reporting Effectiveness (Working papers)
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
L. Dal Maso, X. Jia, and K. Kanagaretnam. 2026. Climate Beliefs, Attitudes, and Bank Risk Management. Journal of Banking and Finance. (ABDC-A*)
https://doi.org/10.1016/j.jbankfin.2026.107652
X. Jia, K. Kanagaretnam, J. Lee, C.Y. Lim. 2026. Can Financial Literacy Enhance ESG Disclosures? Accounting and Finance. (ABDC-A)
http://doi.org/10.1111/acfi.70212
X. Jia, K. Kanagaretnam, H. Zhang. 2026. From screening gains to automation risks: how IT investment shapes banks’ lending outcomes. Applied Economic Letters.
https://doi.org/10.1080/13504851.2026.2637692
X. Jia, K. Kanagaretnam, and H. Zhang. 2025. Benefits and Consequences of CECL Adoption During COVID-19, Journal of Accounting, Auditing, and Finance. (ABDC-A)
https://doi.org/10.1177/0148558X251358312
X. Jia. 2024. FinTech Penetration, Charter Value, and Bank Risk-Taking. Journal of Banking and Finance. (ABDC-A*)
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. (FT-50, ABDC-A)
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. (FT-50, ABDC-A*)
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. (ABDC-B)
https://doi.org/10.3390/jrfm17010008
BU127 Introductory Financial Accounting
BU387 Intermediate Accounting part I
BU397 Intermediate Accounting part II
BU517 Financial Statement Analysis