Results 161 to 170 of about 10,825 (309)
, 2012 The purpose of this thesis is to determine and to better inform industry practitioners to the most appropriate classification and regression techniques for modelling the three key credit risk components of the Basel II minimum capital requirement ...
Brown, Iain L.J. +1 more
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International Journal of Finance &Economics, EarlyView.ABSTRACT This study aims to classify pivotal fintech innovations and explore the prospects and pitfalls associated with emerging fintech services extensively discussed in the literature. We conducted a multistage systematic review of research published on fintech over the past decade from a technological perspective. Using the Preferred Reporting Items
Muhammad Imran Qureshi, Nohman Khan
wiley +1 more source
Risk-based pricing of interest rates in household loan markets [PDF]
Focusing on observable default risk's role in loan terms and the subsequent consequences for household behavior, this paper shows that lenders increasingly used risk-based pricing of interest rates in consumer loan markets during the mid-1990s.
Wendy Edelberg
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Does Digital Banking Promote Remittance Receipts? Evidence From Developing Countries
International Journal of Finance &Economics, EarlyView.ABSTRACT In the realm of technological advancement, like many sectors, the financial sector swiftly embraced digital transformation to help facilitate financial transactions, especially remittance receipts. The digitalisation of the banking sector has made transfers and access to funds quite easier, faster, and more economical by reducing transaction ...
Syed Ali Abbas +2 more
wiley +1 more source
Consensus-driven feature selection for transparent and robust loan default prediction. [PDF]
Sci RepAbbas G, Ying Z, Ayoubi M.
europepmc +1 more source
Did bankruptcy reform cause mortgage default rates to rise? [PDF]
This paper argues that the U.S. bankruptcy reform of 2005 played an important role in the mortgage crisis and the current recession. When debtors file for bankruptcy, credit card debt and other types of debt are discharged - thus loosening debtors ...
Ning Zhu, Wenli Li, Michelle J. White
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Developing A Z‐ESG Score Model for Assessing Corporate ESG Performance
International Journal of Finance &Economics, EarlyView.ABSTRACT In this study we develop a novel, unique ESG rating model that exploits the logic of the Z‐score by Altman (1968) to discriminate between ESG performing and non‐ESG performing firms using indicators of ESG performance for each of the three pillars (Environmental, Social, Governance) in place of financial ratios.
Edward I. Altman +3 more
wiley +1 more source
Post-purchase Counseling and Default Resolutions among Low- and Moderate-Income Borrowers [PDF]
The rise of delinquencies and foreclosures in a softening housing market calls for systematic studies of default behavior and efforts to minimize the default risks.
Lei Ding +2 more
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Navigating AI Convergence in Human–Artificial Intelligence Teams: A Signaling Theory Approach
Journal of Organizational Behavior, EarlyView.ABSTRACT Teams that combine human intelligence with artificial intelligence (AI) have become indispensable for solving complex tasks in various decision‐making contexts in modern organizations. However, the factors that contribute to AI convergence, where human team members align their decisions with those of their AI counterparts, still remain unclear.
Andria Smith +3 more
wiley +1 more source
Of Religion and Redemption: Evidence from Default on Islamic Loans (Replaces CentER DP 2010-136)
: We compare default rates on conventional and Islamic loans using a comprehensive monthly dataset from Pakistan that follows more than 150,000 loans over the period 2006:04 to 2008:12.
Farooq, M., Baele, L., Ongena, S.
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