Over the recent years, concept-evolution has received a lot of attention to the research community because of its importance in the context of mining data streams. Mining data stream has become a crucial task due to its wide range of applications such as network intrusion detection, credit card fraud identification, identifying trends in the social networks etc. Concept-evolution means introduc...

OBJECTIVE There has been significant concern that austerity measures have negatively impacted health in the UK. We examined whether budgetary reductions in Pension Credit and social care have been associated with recent rises in mortality rates among pensioners aged 85 years and over. DESIGN Cross-local authority longitudinal study. SETTING Three hundred and twenty-four lower tier local aut...

This article discusses the economic consequences and social implications of the Community Reinvestment Act. The CRA has direct economic effects on banks and neighborhoods and these neighborhoods also gain social benefits from the availability of credit which increase the quality of life in these areas. The article identifies the economic issues associated with providing access to credit in low ...

Many factors innuence a learning process and the performance of a learned classiier. In this paper we investigate the eeects of class distribution in the training set on performance. We also study diierent methods of measuring performance based on cost models and the performance eeects of training class distribution with respect to the diierent cost models. Observations from these eeects help u...

Many factors innuence a learning process and the performance of a learned classiier. In this paper we investigate the performance eeects of class distribution in the training set. We also study diierent methods of measuring performance based on cost models and the performance eeects of training class distribution with respect to the diierent cost models. Observations from these eeects help us d...

We define predatory lending as a welfare-reducing provision of credit. Using a textbook model, we show that lenders profit if they can tempt households into “debt traps,” that is, overborrowing and delinquency. We then test whether payday lending fits our definition of predatory. We find that in states with higher payday loan limits, less educated households and households with uncertain income...

In developing countries, traditional social obligations often press rich individuals to share their income. In this paper, we posit a “model of social pressure” in which people can sign binding financial agreements among them. These agreements may help to escape social obligations. It turns out that an anonymous and efficient agreement corresponds to one of the most developed and puzzling finan...

Nowadays credit cards have become a prerequisite in our daily activities. The misuse of credit card is increasing day by day. There are several ways in which a offender performs a credit card fraud. It is always been advised to exercise and provide additional security to the credit cards in order to elude the frauds. This paper focuses on credit card frauds. It addresses the cyber security chal...

This article seeks to gain insight into the influence of sample bias in a consumer credit scoring model. Considering the vital implications on revenues and costs concerned with the issuing and repayment of commercial credit, predictive performance of the model is crucial, and sample bias has been suggested to pose a sizeable threat to profitability due to its implications on either population d...

Credit scoring methods are widely used for evaluating loan applications in financial and banking institutions. Credit score identifies if applicant customers belong to good risk applicant group or a bad risk applicant group. These decisions are based on the demographic data of the customers, overall business by the customer with bank, and loan payment history of the loan applicants. The advanta...