A fairly extensive literature from the field of empirical psychology has provided evidence that personality factors and attitudes toward credit may influence individuals' debt financing decisions. This paper investigates the importance of these factors by analysing the results of an original survey about the recourse to consumer credit, conducted on a wide sample of Italian households. Three ma...

For visualization of multivariable data, multivariate cube meets with the limitation of screen and human vision. Retinal variables are integrated into multivariate cube to enhance its visual characteristics. The selective feature of variables and associative feature of the values of the same variable are improved with the integration of retinal variable into the set of visual variables. The sel...

Credit cards have many important benefits; however, these same benefits often carry with them many privacy concerns. In particular, the need for users to be able to monitor their own transactions, as well as bank’s need to justify its payment requests from cardholders, entitle the latter to maintain a detailed log of all transactions its credit card customers were involved in. A bank can thus b...

1 This paper has been written for a course organized in Helsinki University of Technology at fall 2007: Seminar on Distributed Systems Peer-to-Peer Systems with Mobile Applications. Abstract – A credit system provides an incentive mechanism, which addresses peer-to-peer networks’ free riding problem. In the credit system, users earn credits from their contribution to peer-to-peer network. These...

The GM-MDS conjecture of Dau et al. (ISIT 2014) speculates that the MDS condition, which guarantees the existence of MDS matrices with a prescribed set of zeros over large fields, is in fact sufficient for existence of such matrices over small fields. We prove this conjecture.

This paper describes an approach to user adaptation realized in a multiagent interface system for interaction with a virtual environment. The interface agency adapts to users' individual preferences by learning from direct feedback. The core idea is that agents that were successful in meeting the user's expectations are given credit while unsuccessful agents are \discredited." Communicating cre...

Credit scoring models play a fundamental role in the risk management practice at most banks. They are used to quantify credit risk at counterparty or transaction level in the different phases of the credit cycle (e.g. application, behavioural, collection models). The credit score empowers users to make quick decisions or even to automate decisions and this is extremely desirable when banks are ...

The project entitled “Credit Card Endorsement Using Biometrics in Cloud Computing” is based on the security issues related to data access and data storage in cloud computing. The application focused is on the credit card authentication. The concept of biometrics is integrated along with the cloud for secure data access. The existing system of the credit card allows the user to do the transactio...

Credit is the pivot on which agricultural development rests and as a resource can be used to stimulate in desired direction. The availability of credit these broiler farmers will help them overcome challenges they encounter achieving enhanced production. This study was designed analyze profitability production between non-credit users Eket L.G.A, Akwa Ibom State. Specifically, it described soci...

Peer-to-peer lending platforms such as Prosper Marketplace facilitate lending by matching potential borrowers with potential lenders using an auction mechanism. Borrowers can post loan requests and lenders can bid on a request specifying a minimum interest rate and an amount they are willing to lend. In this paper we analyze the impact of social information on the interest rate of funded loans ...