1 Background Credit cards have been widely used in the USA. The industry has matured so much that most households hold many credit cards and most consumers use credit cards as means of payment. They usually maintain their records on credit cards. In the USA, a total amount of credit card balances is about $700 billion. Because of the wide usage of credit cards, the term of cards is becoming a m...

KEY: # = new course * = course changed † = course dropped University of Kentucky 2015-2016 Undergraduate Bulletin 1 LIN 209 THE STRUCTURE AND USE OF ENGLISH. (3) A general survey of the history, structure, and use of the English language. Topics investigated include: the history of the English language; elements of the structure of English; the distinctive characteristics of spoken and written ...

With the spread of data mining technologies and the accumulation of social data, such technologies and data are being used for determinations that seriously affect individuals’ lives. For example, credit scoring is frequently determined based on the records of past credit data together with statistical prediction techniques. Needless to say, such determinations must be nondiscriminatory and fai...

The proliferation of Internet technology has created numerous new markets as social coordination mechanisms, including those where human decision makers and computer algorithms interact. Because humans and computers differ in their capabilities to emit and process complex market signals, there is a need to understand the determinants of the provision of market information. We tackle the general...

This paper reflects on the use of socially constructed categories in the analysis of a failed attempt to introduce a standardised information system (ISIS) in the Irish League of Credit Unions. Beginning with a brief overview of the various definitions of social constructionism and a description of the ISIS project, the paper then outlines two previous interpretations of the failed implementati...

This paper analyzes a model where investors use a credit rating to decide whether to finance a firm. The rating quality depends on the credit rating agency’s (CRA) effort, which is unobservable. We analyze optimal compensation contracts for the CRA that differ depending on whether the firm, investors or a social planner orders the rating. We find that rating errors are larger when the firm orde...