Background In consumer lending, portfolio managers typically have access to a scorecard used to forecast default probability for each applicant. Scorecards are built using historical data on loan accounts and their respective performance data. The inputs into the scorecard include financial, demographic and other personal information about each applicant. The output of the scorecard is a real-v...

The socio-technical theory is concerned with human well-being; it is democratic, humanistic and provides both freedom and knowledge to those who are part of it. Balanced scorecard is an approach that assesses whether the organization is meeting its objectives in terms of vision and strategy. It measures four perspectives: financial, customer, internal business processes and innovation & learnin...

How well does Prizma’s poverty scorecard identify poor clients? The scorecard applies 0/1 weights to seven simple and inexpensive-to-collect indicators to give a score from 0 (most likely poor) to 9 (least likely poor). The scorecard has good power, not only for ranking clients by relative poverty but also for identifying the likelihood that a client is poor by an absolute standard. While pover...

The Balanced Scorecard (BSC) is a very powerful and successful strategic performance management tool. This management white paper describes a BSC in simple terms. The paper outlines the four perspectives of a Balanced Scorecard and explains the importance of Strategy Maps. It shows how many organisations use the Balanced Scorecard today and describes the key benefits of a scorecard implementati...

Technology evaluation has played a crucial role in selecting and supporting companies with innovative technology. Previous studies have focused on developing technology evaluation methods such as scorecard. However, technology credit rating is rarely applied, despite its convenient usage for technology financing. In this paper, we propose a technology credit rating system, called cross matrix, ...

Credit scoring is one of the most successful applications in banking and finance. However, most studies do not explain the whole process of scorecard development, probably due to the difficulty in obtaining credit scoring data. This study addresses some of the gaps that are present in the existing literature in that it explains in detail the processes, as performed in practice, of scorecard dev...

The comprehensive assessment model considers the financial and non-financial aspects as balanced scorecard. Also, for more comprehensive results of the investigation, four aspects of the balanced scorecard were used and then by using fuzzy Delphi technique and experts' opinions, the standard aspects of each were achieved in two stages. To determine the importance of each aspect of BSC, the proce...

The balanced scorecard (BSC), initially developed by Kaplan and Norton, is a performance measurement system that supplements traditional financial measures with the criteria that measure performance from three additional perspectives: customer perspective, internal business perspective and innovation and learning perspective. In recent years, the balanced scorecard has been applied to informati...

Throughout most of modern busi ness history, corporations have attempted to unlock value by matching their structures to their strategies: Centralization by function. Decentralization by product category or geographic region. Matrix organizations that attempt both at once. Virtual organizations. Networked organizations. Velcro organizations. But none of these approaches has worked very well. Re...

The present research develops and illustrates a Balanced Scorecard control framework for the assessment of Enterprise Resource Planning (ERP)/e-commerce system implementation. We apply and follow ERP implementation evaluation framework (Sarker & Lee, 2000) in assessing ERP/e-commerce system implementation with the business process reengineering. An actual case analysis of middle-sized manufactu...