Top-Ups 2.0
1 Introduction
“Top-Ups and Telephone” discovered primary mechanisms for how legal innovations diffuse throughout the legal advisory network. We now test the theory of how diffusion happens using a family history pattern. How do firms pass down the knowledge firm by firm?
2 Methods
We assume that firms gain knowledge of how a top-up option works by doing a deal that includes a top-up option with another firm or a deal with a prior adopter of the top-up option. We classify a firm as a “parent,” meaning they pass on the knowledge of the top-up innovation to another firm in one of the following ways:
- Cosigner Prior Adopter: the cosigner of deal that includes a top-up option is a prior Adopter
- Proximate Adopter: the firm who was a prior Adopter and most recently signed a deal with the firm before it became an Adopter
- If the cosigner of the deal is not a prior adopter, then we use the proximate adopter as the parent firm.
- Multiple Adopters: all prior Adopters who a firm interacted with the firm before it became an Adopter.
We construct each of these definitions of parent.
Then, we look at the parents of each firm’s parents and so on to construct a “genealogical” relationship of how firms are connected through the adoption of the top-up option adoption.
We also construct the Cosine Similarity between the texts of each deal to test the theory that as firms become farther removed away from each other through genealogical distance, so does the text of their deal.
3 Results
Figure 1 shows the distribution of the time difference between the deal with the most recent Proximate Adopter. This is to show how long the influence of a deal with a previous adopter may extend. There are 6 deals less than one year, 16 deals less than three years, 21 deals less than 5 years, and 47 total deals with proximate adopters. Deal influence may exist longer than we initially thought if firms are learning from their interactions with prior Adopters.
| 1 year | 3 Year | 5 Year | All | |
|---|---|---|---|---|
| Cosign Prior Adopter, No proximate adopter | 16 | 16 | 16 | 16 |
| No Cosign Prior Adopter, Proximate Adopter | 3 | 11 | 13 | 21 |
| Cosign Prior Adopter and Proximate Adopter | 3 | 5 | 8 | 26 |
| Not Cosign Prior Adoptor, No Proximate Adopter | 31 | 23 | 21 | 13 |
The subsequent analysis will be carried out using the Proximate Adopter with deals recently of three years or less when the Cosigner Adopter is not present for a firm.
3.1 Descriptive Statistics
| N | Distinct | |
|---|---|---|
| Firm | 76 | 76 |
| Parent | 53 | 31 |
| Grandparent | 24 | 13 |
| Great-grandparent | 10 | 5 |
| Great-great-grandparent | 2 | 2 |
| Parent | Grandparent | Great-Grandparent | |
|---|---|---|---|
| Mean | 0.80 | 0.89 | 0.95 |
| Standard Deviation | 0.14 | 0.13 | 0.04 |
| Median | 0.80 | 0.94 | 0.95 |