Behavior Revealed in Mobile Phone Usage Predicts Credit Repayment
نویسندگان
چکیده
منابع مشابه
Behavior Revealed in Mobile Phone Usage Predicts Loan Repayment
Many households in developing countries lack formal financial histories, making it difficult for banks to extend loans, and for potential borrowers to receive them. However, many of these households have mobile phones, which generate rich data about behavior. This paper shows that behavioral signatures in mobile phone data predict loan default, using call records matched to loan outcomes. In a ...
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One of the major scientific undertakings over the past few years has been exploring the interaction between humans and machines in mobile environments. We have smart devices with high computational power. Some devices are also aware of context. For example, some mobile devices have built in GPS, light sensor and other detection devices like [1]. In this work, we will examine how mobile device c...
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This paper examines the impact of a public credit registry on the repayment behavior of borrowers. We implement an experimental credit market in which loan repayment is not third-party enforceable. We compare market outcome with a credit registry to that without a credit registry. This experiment is conducted for two market environments: first a market in which interactions between borrowers an...
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This chapter reviews the literature on mobile phone addiction, the excessive use of mobile phone technology, which is an impulse control disorder with negative social and psychological consequences. It provides a clear definition of mobile phone addiction, along with its theoretical origin, diagnostic criteria for assessment, and an identification of the symptoms and consequences of addictive b...
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ژورنال
عنوان ژورنال: The World Bank Economic Review
سال: 2019
ISSN: 0258-6770,1564-698X
DOI: 10.1093/wber/lhz006