Now a day technology is increasing very rapidly, which can be used for good as well as for bad purposes. Ecommerce is part of all most every system where online transitions are performed through internet through which frauds can be easily done. Credit card system is most vulnerable for frauds. Hence it is very much essential to have fraud detecting system. Till date various approaches have been...

Student loans and credit card loans represent important components of young households’ portfolios in the United States. While default rates on credit card debt are at historically low levels, default rates on student loans have increased significantly in recent years. There are important institutional differences between bankruptcy arrangements and default consequences in the two markets, whic...

UNLABELLED In complex environments, many potential cues can guide a decision or be assigned responsibility for the outcome of the decision. We know little, however, about how humans and animals select relevant information sources that should guide behavior. We show that subjects solve this relevance selection and credit assignment problem by selecting one cue and its association with a particul...

Although treatment for hypertension is readily available, poor control of hypertension is a major health problem frequently manifested in late life. Researchers believe that one of the major causes of uncontrolled hypertension is failure to take medication as directed. In this preliminary study, the medication-taking behaviors of 48 adults diagnosed with hypertension, ranging in age from 35 to ...

The subprime crisis revealed that the adoption of suitable systems for the management of credit risk is of utmost concern. The Basel Committee on Banking Supervision (2009) advises banks to use credit portfolio models with caution when assessing the capital adequacy. This paper investigates whether decisions on total risk-based capital ratios are channeled through credit portfolio models. In ot...

In standard life-cycle models, borrowing enables young adults to smooth consumption, but for those who are indebted and face high borrowing costs, parental co-residence could serve as an alternative smoothing mechanism. This paper investigates if young adults use parental co-residence to smooth consumption by examining the relationship between debt characteristics which are typically associated...

You may download, display, print or reproduce material in this publication in unaltered form for your personal, non-commercial use or within your organisation, with proper attribution given to the Australian Prudential Regulation Authority (APRA). Other than for use permitted under the Disclaimer The views and analysis expressed in this paper are those of the author(s) and do not necessarily re...

In the era of stringent and dynamic business environment, it is crucial for organizations to foresee their clients’ delinquency behavior. Such environment and behavior create unreliable base for strategic planning and risk management. Business Analytics combines the business expertise and computer intelligence to assist the decision makers by predicting an individual's credit status. This empir...

Large corporations can achieve significant cost savings by developing and employing a sophisticated and continuously updated, billing and credit policy. Days of sale outstanding (DSO) is a major cost driver for corporations with large revenues, as this leads to an increased risk of default, increased dunning and collection costs, a non-optimal billing procedure with attendant costs and perhaps ...

This study is on the determinants of credit access by small scale farmers in Dekina Local Government Area of Kogi State, Nigeria. The specific objectives are to; identify the major source of credit among the small scale farmers; estimate the determinants of farmers’ access to formal credit; compare the farm income of farmers who have access to formal credit and those who have not and identify c...