Students entering college have limited financial experience while making complex borrowing decisions. This paper examines a policy lever that may improve these decisions: high school personal finance graduation requirements. We use a difference-in-difference strategy exploiting differential timing of state mandates and a sample of incoming freshmen at four year institutions in the National Post...

the growth of e-commerce increases the money transaction via electronic network which is designed for hassle free fast & easy money transaction but the facility involves greater risk of misuse of facility for fraud one of them is credit card fraud it can be happened by many types as by stolen card, by internet hackers who can hack your system & get important information about your card, or by i...

n contemporary days the more secured data transfer occurs almost through internet. At same duration the risk also augments in secure data transfer. Having the rise and also light progressiveness in e – commerce, the usage of credit card (CC) online transactions has been also dramatically augmenting. The CC (credit card) usage for a safety balance transfer has been a time requirement. Credit-car...

Nowadays, one of the most important topics in risk management of banks, financial, and credit institutions is credit risk management. In this research, the researchers used survival analytic methods for credit risk modeling in terms of the conditional distribution function of default time. As a practical task, the authors considered the reward credit portfolio of Tose'e Ta'avon Bank of Guilan P...

This paper presents a comprehensive review of the works done, during the 2000–2012, in the application of data mining techniques in Credit scoring. Yet there isn’t any literature in the field of data mining applications in credit scoring. Using a novel research approach, this paper investigates academic and systematic literature review and includes all of the journals in the Science direct onli...

Self-checkout is the emergent/emerging retail technology wherein users (shoppers) check out their own items using an interactive kiosk. A dramatic growth is anticipated in the prevalence of self-checkout systems in retail environments. A study was conducted to develop and evaluate a redesign of a self-checkout system with a focus on issues related to physical accessibility for wheelchair users....

This paper uses the “creditist” theoretical framework that explains credit rationing by financial market imperfections to analyze the developments in Thailand’s credit market during the 19971998 currency and financial crisis. In section II, after reviewing the literature, we propose our definition of a “credit crunch” and its transmission channels. Then, we look for empirical tests in Thailand ...

A conceptual framework for analyzing the credit rationing and the link between credit access and profitability is developed. The empirical analysis using data from manufacturing firms in Bulgaria, provides direct estimates of credit rationing and its impact on profitability in transition economies. The results from the switching regression suggest that the presence of credit market constraints ...