Adoption of digital payment platforms and trade credit activities among informal firms in Ghana. [PDF]
Abdulai MG, Dary SK, Domanban PB.
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Climate Change and African Agricultural Resilience: A 10-Year Comprehensive Review of Adaptive Capacity, Policy, and Environmental Stewardship. [PDF]
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Transforming financial documents into credit decisions using explainable artificial intelligence and optical character recognition. [PDF]
Malave S +5 more
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The Price of Denial: Examining the Health Consequences of Mortgage Lending Bias in Michigan Metro Areas. [PDF]
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Market competition in banking and asset-liability maturity mismatch of non-financial firms: Evidence from Vietnam. [PDF]
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Creditworthiness dynamics and Hidden Markov Models
Journal of the Operational Research Society, 2014A dynamic monitoring of credit risky portfolios is described. In the first section, it is shown how a Markov dependence can be used in modelling the borrower's behaviour: a chain of transition probabilities matrices is built in which the states of the dynamic stochastic system are the number of instalments in arrears.
VANNUCCI, LUIGI, L. Quirini
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Digital transformation and corporate creditworthiness
Utilizing panel data from China's A-share listed companies spanning 2007 to 2022, this paper examines the effects of digital transformation on corporate creditworthiness, focusing on the underlying mechanisms at play.
Zhen, Xiaofei, Zhou, Yiyang
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Developments in corporate creditworthiness around ownership events
PurposeThis study seeks to explore developments in corporate creditworthiness before and after ownership events.Design/methodology/approachThe paper uses the Blockholders database of Dlugosz, Fahlenbrach, Gompers, and Metrick, and three credit quantities,
Dror Parnes
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Suppliers' debt collection and contractor creditworthiness evaluation
Results of a survey of UK construction materials suppliers' credit control and debt collection procedures are presented. Analyses of respondent data identified methods and trends associated with: contractor creditworthiness evaluation; suppliers' debt ...
Gary Holt
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Biases in Appraising Creditworthiness
International Journal of Bank Marketing, 1992In the mid 1970s two psychologists, Kahneman and Tversky, isolated three major aspects of heuristics which induce biases in our decisions, which they termed as: (1) representativeness, (2) availability and (3) anchoring. An example of the bias within the representativeness heuristic is the underutilization of base rates.
Bala Shanmugam, Philip Bourke
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