The aim of the paper is to discuss credit scoring modeling of a customer revolving credit depending on customer application data and transaction behavior data. Logistic regression, survival analysis, and neural network credit scoring models were developed in order to assess relative importance of different variables in predicting the default of a customer. Three neural network algorithms were t...

This paper addresses the question of what determines a poor credit score. We compare estimated credit scores with measures of impulsivity, time preference, risk attitude, and trustworthiness, in an effort to determine the preferences that underlie credit behavior. Data is collected using an incentivized decision-making lab experiment, together with financial and psychological surveys. Credit sc...

Banks collect data x 1 in loan applications to decide whether grant credit and accepted generate new 2 throughout the period. Hence, banks have two measurement-modalities, which provide a complete picture about customers. If we can conditioned on keeping relationship between these modalities, behavior scoring may be enabled simultaneously (at time is obtained) support cross-selling, launching o...

Background and aims Most research into compulsive buying has focused on its causes: questionnaires have been used to study its association with various factors assumed to be important in its etiology. Few studies have dealt with the effects of being a compulsive buyer on shopping decisions. Also, processes underlying compulsive buying are dynamic but questionnaires give access only to a retrosp...

<span lang="EN-US">Now days, the analysis of behavior cardholders is one important fields in electronic payment. This kind helps to extract behavioral and transaction profile patterns that can help financial systems better protect their customers. In this paper, we propose an intelligent machine learning (ML) system for rules generation. It based on a hybrid approach using rough set theor...

Recent decades have seen a gigantic expansion in the use of credit cards as a true transactional medium. Data mining is rising as one of the chief features of many homeland security\ initiatives. Often, it is used as a means for detecting fraud, assessing risk, as well as product retailing. Data mining is becoming increasingly common in both the private as well as public sectors. Data mining in...

This paper explores the substitution relationship between trade credit and bank credit, and its countercyclic dynamic pattern through economic cycles. We propose a new theoretical model, using a mechanism design method, which predicts the substitution between the two credits and its counter-cyclic behavior, subject to the condition of technological efficiency not less than one. This model also ...