Parallel and incremental credit card fraud detection model to handle concept drift and data imbalance
Sign Up to like & getrecommendations! Published in 2018 at "Neural Computing and Applications"
DOI: 10.1007/s00521-018-3633-8
Abstract: Real-time fraud detection in credit card transactions is challenging due to the intrinsic properties of transaction data, namely data imbalance, noise, borderline entities and concept drift. The advent of mobile payment systems has further complicated… read more here.
Keywords: fraud detection; model; credit card; data imbalance ... See more keywords
How household consumption responds to credit card refunds
Sign Up to like & getrecommendations! Published in 2020 at "Economics Letters"
DOI: 10.1016/j.econlet.2020.109683
Abstract: Abstract With the widespread growth of online commerce, we observe an increasing amount of refunds on purchases. Do these refunds affect consumption differently than regular income such as salaries? This paper uses transaction-level data from… read more here.
Keywords: household consumption; card refunds; credit card;
Readability of the credit card agreements and financial charges
Sign Up to like & getrecommendations! Published in 2017 at "Finance Research Letters"
DOI: 10.1016/j.frl.2017.08.003
Abstract: Abstract We examined the readability of credit card agreements and its relationship with financial charges. Examining the credit card agreements filed with the Consumer Financial Protection Bureau in 2014, we found that the typical credit… read more here.
Keywords: credit; readability credit; financial charges; credit card ... See more keywords
A flexible framework for intervention analysis applied to credit-card usage during the coronavirus pandemic
Sign Up to like & getrecommendations! Published in 2021 at "International Journal of Forecasting"
DOI: 10.1016/j.ijforecast.2021.12.012
Abstract: We develop a variant of intervention analysis designed to measure a change in the law of motion for the distribution of individuals in a cross-section, rather than modeling the moments of the distribution. To calculate… read more here.
Keywords: credit card; intervention analysis; intervention; credit ... See more keywords
A replication study of the credit card effect on spending behavior and an extension to mobile payments
Sign Up to like & getrecommendations! Published in 2021 at "Journal of Retailing and Consumer Services"
DOI: 10.1016/j.jretconser.2021.102472
Abstract: Abstract Prior research has shown that credit cards increase spending behavior as measured by the willingness to pay (WTP) or basket value. This research aims to replicate the credit card effect and to extend this… read more here.
Keywords: credit card; mobile payments; spending behavior; card effect ... See more keywords
Evidence for a credit-card-swipe mechanism in the human PC floppase ABCB4.
Sign Up to like & getrecommendations! Published in 2021 at "Structure"
DOI: 10.1016/j.str.2021.05.013
Abstract: ABCB4 is described as an ATP-binding cassette (ABC) transporter that primarily transports lipids of the phosphatidylcholine (PC) family but is also capable of translocating a subset of typical multidrug-resistance-associated drugs. The high degree of amino… read more here.
Keywords: evidence credit; swipe mechanism; credit card; card swipe ... See more keywords
The Ascent of Plastic Money: International Adoption of the Bank Credit Card, 1950–1975
Sign Up to like & getrecommendations! Published in 2018 at "Business History Review"
DOI: 10.1017/s0007680518000752
Abstract: This article studies the genesis and early international expansion of the bank-issued credit card—an American innovation that quickly took hold in western Europe. Empirical evidence undermines the proposition of a single firm building a proprietary… read more here.
Keywords: money international; credit card; plastic money; ascent plastic ... See more keywords
Liquidity Constraints and Credit Card Delinquency: Evidence from Raising Minimum Payments
Sign Up to like & getrecommendations! Published in 2017 at "Journal of Financial and Quantitative Analysis"
DOI: 10.1017/s0022109017000412
Abstract: We use credit card data to estimate the impact of increasing minimum payments on delinquency, payments, spending, and write-offs. Our identification strategy exploits an unusual institutional feature: Borrowers can use their account to make purchases… read more here.
Keywords: liquidity constraints; delinquency; minimum payments; credit card ... See more keywords
RISK ADJUSTMENT OF THE CREDIT-CARD AUGMENTED DIVISIA MONETARY AGGREGATES
Sign Up to like & getrecommendations! Published in 2019 at "Macroeconomic Dynamics"
DOI: 10.1017/s1365100518000160
Abstract: While credit cards provide transactions services, as do currency and demand deposits, credit cards have never been included in measures of the money supply. The reason is accounting conventions, which do not permit adding liabilities,… read more here.
Keywords: credit card; credit cards; theory; risk ... See more keywords
FINANCIAL FIRM PRODUCTION OF INSIDE MONETARY AND CREDIT CARD SERVICES: AN AGGREGATION THEORETIC APPROACH
Sign Up to like & getrecommendations! Published in 2018 at "Macroeconomic Dynamics"
DOI: 10.1017/s1365100518000767
Abstract: A monetary production model of financial firms is employed to investigate supply-side inside-money aggregation, augmented to include credit card transaction services. Inside money is a supply-side concept. Financial firms are conceived to produce monetary and… read more here.
Keywords: aggregation; credit; production; credit card ... See more keywords
Dimensions of materialism and credit card usage: an application and extension of the theory of planned behavior in Bangladesh
Sign Up to like & getrecommendations! Published in 2018 at "Journal of Financial Services Marketing"
DOI: 10.1057/s41264-018-0058-5
Abstract: This empirical test of an extended model of the theory of planned behavior (TPB) applies three dimensions of materialism (success, centrality, and happiness) to predict consumers’ attitudes and behavioral intentions toward credit card use in… read more here.
Keywords: planned behavior; credit card; theory planned; materialism ... See more keywords