U-commerce represents “anytime, anywhere” commerce, which is believed to be the ultimate form of commerce. Ucommerce can provide a high level of personalization, which can bring additional benefits and values to customers. However, despite these promises and potential benefits, customers’ privacy is a major concern and obstacle to the adoption of ucommerce. As customers’ intention to adopt u-co...

nowadays, internet technology provides an opportunity for banks and financial institutions to take advantages in dynamic and competitive turbulent environment in their favor. in addition, considering the importance and status of internet banking and growing trend of it in the country in recent years, now banks and financial institutions have found that maintaining status and effective developme...

Credit scoring model is an important tool for assessing risks in financial industry, consequently the majority of financial institutions actively develops credit scoring model on the credit approval assessment of new customers and the credit risk management of existing customers. Nonetheless, most past researches used the one-dimensional credit scoring model to measure customer risk. In this st...

When making financial decisions bank customers are confronted with two types of uncertainty: first, return on investments is uncertain and there is a risk of losing money. Second, customers cannot be certain about their financial advisor's true intentions. This might decrease customers' willingness to cooperate with advisors. However, the uncertainty management model and fairness heuristic theo...

A major emerging problem among consumer finance institutions is that customers that are not well recognized might be riskier than customers that are fully recognized. Fortunately, financial institutions count with external vendors databases that indicate the level of recognition of their customers. However, this information is normally presented as features with partial scores that must be aggr...

Relatively few retailers include metrics such as product returns in their customer selection and optimal resource allocation algorithms when measuring and maximizing customer value. Even when they do include this metric, increases in product return behavior are usually considered merely an economic cost that needs to be managed by decreasing the marketing resource allocations toward the custome...

This paper explores the relationship between consumer credit clients’ pay back performance and some demographic and financial variables (age, income, sex, interest rate, loan size and etc.). There are basically six functional associated with credit lending activities of banks in general: (1) assessment of the customers credit risk; (2) making the credit granting decision; (3) collecting debts; ...

Different cloud computing service providers offer their customers' services with different risk levels. The customers wish to minimize their risks for a given expenditure or investment. This paper concentrates on consumers' point of view. Cloud computing services are composed of services organized according to a hierarchy of software application services, beneath them platform services which al...

Fierce competition as well as the recent financial crisis in financial and banking industries made credit scoring gain importance. An accurate estimation of credit risk helps organizations to decide whether or not to grant credit to potential customers. Many classification methods have been suggested to handle this problem in the literature. This paper proposes a model for evaluating credit ris...