AbstrAct Automatic signature verification is a biometric method that can be applied in all situations where handwritten signatures are used, such as cashing a check, signing a credit card, authenticating a document, and others. Over the last two decades, several innovative approaches for off-line signature verification have been introduced in literature. Therefore, this chapter presents a surve...

currently, e-recruiting is one of the most successful e-commerce applications as a method for quickly reaching a large pool of the potential job seekers. the capability of advanced e-recruiting tools has enabled recruiters to quickly identify and hire qualified candidates, and to build ongoing relationships with prospective employees. the aim of this paper is to review and analyze the e- recrui...

This paper studies the relationship between credit default swap spreads (CDS) for the Energy sector and oil futures dynamics. Using data on light sweet crude oil futures from 2004 to 2013, which contains a crisis period, we examine the importance of volatility and jumps extracted from the futures in explaining CDS spread changes. The analysis is performed at an index level and by rating group; ...

This paper explores the transmission of credit conditions into the real economy. Specifically, I examine the forecasting power of the term structure of credit spreads for future GDP growth. I find that the whole term structure of credit spreads has predictive power, even though the term structure of Treasury yields has none. Using a parsimonious macro-finance term structure model that captures ...

This paper has investigated a possible relationship between credit market structure and bank development in Iran and selected developing countries, using a panel regression analysis. Accordingly, the bank development index is proxied by the allocated credits to private sector, while a dummy variable has been defined as a proxy for credit market. To estimate the regressions, we have used data of...

This paper proposes a prediction method based on an ordered semiparametric probit model for credit risk forecast. The proposed prediction model is constructed by replacing the linear regression function in the usual ordered probit model with a semiparametric function, thus it allows for more flexible choice of regression function. The unknown parameters in the proposed prediction model are esti...

nowadays, the customer's credit assessment is one of most important challenges for managers in decision making. especially in the current situation which the number scam has increased and outstanding claims of business company is increasing. on the other hand decision making about customers and their credit is based on expert judgment and also the customer information is often uncertain, a...