Over the last three decades, advances in information technology have improved banks’ efficiency of credit scoring/rating. I infer that the technology of credit rating improves by 45% from 1990 to 2007. I evaluate the effects of this technological improvement on the US commercial banking market with a dynamic, quantitative model. In the model, banks have an economy of scale at utilizing new tech...

Businesses and individuals are increasingly subjected to security breaches and disclosures of personal and financial information. Additionally, as social media, mobile computing applications, and other web based software become pervasive in our daily lives, concerns about the safety and integrity of information is gaining the attention of businesses, individuals and governments on a global basi...

This paper is to explore the characteristics of venture business and entrepreneurs to identify technology transfer activities in venture and to analyze the differences between technology transfer in linear and non-linear venture businesses to guide more effective future venture business policy and strategy. The empirical assessment reveals that entrepreneurs have accurate evaluations and realis...

Environmental sustainability has become increasingly important to businesses as a response to the rapid depletion of natural resources. Information Technology (IT) in particular represents a meaningful part of the environmental issues that society has been facing. Therefore, Green IT emerges as a way of combining available resources and sustainable and economic policies, thus, generating benefi...

As recent history highlights, there are numerous challenges in bringing novel energy technologies from the lab all the way to the global energy marketplace. But one challenge in particular has proven particularly intractable recently; the lack of financing for clean energy entrepreneurs. This failure to connect clean energy entrepreneurs with aligned, long-term capital sources is often referred...

Compared to traditional business services, IT-enabled services provide more value by enabling traditional business services with Information and Communication Technologies (ICT) and delivering them via echannels (i.e., Internet, Mobile networks). However, due to their socialtechnical nature, IT-enabled services lack of common understanding about how to integrate services, human, organization/en...