In modern retail market environment, electronic commerce has rapidly gained a lot of attention and also provides instantaneous transactions. In electronic commerce, credit card has become the most important means of payment due to fast development in information technology around the world. As the usage of credit card increases in the last decade, rate of fraudulent practices is also increasing...

This paper assesses the effect of the recent economic and sovereign debt crisis on credit demand and supply and the terms and conditions of bank financing for small and medium enterprises (SMEs) across euro area countries. We combine firm micro data with real and financial macroeconomic variables to examine which factors are important for supply and which for demand. We find that real economic ...

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The amount of online transactions is growing these days to a large number. A big portion of these transactions contains credit card transactions. The growth of online fraud, on the other hand, is notable, which is generally a result of ease of access to edge technology for everyone. There has been research done on many models and methods for credit card fraud prevention and detection. Artificia...

Global competitiveness has recently become the biggest concern of both manufacturing and service companies. Electronic commerce, as a key technology enables the firms to reach all the potential consumers from all over the world. In this study, we have presented commonly used electronic payment systems, and then we have shown the evaluation of these systems in respect to different criteria. The ...

Any business that operates on the Internet and accepts payments through debit or credit cards, also implicitly accepts that some transaction may be fraudulent. The design of effective strategies to face this problem is challenging, due to factors such as the heterogeneity and the non stationary distribution of the data, as well as the presence of an imbalanced class distribution, and the scarci...

With keen competition and the continuous quest for service improvement, e-commerce processes are becoming increasingly complex. Recent adoption of the Service-Oriented Architecture has further facilitated cross-organizational process enactment and enabled e-commerce enhancement. Despite a customer interacting with one website, multiple parties are actually involved at the backend such as logist...

This research examines the e¤ects of relaxing credit constraints on households’ saving and credit choices. I focus in the opening of a new bank in Mexico that targeted workers of the informal sector that were previously denied access to bank credit. I …rst explore the di¤erence-indi¤erence e¤ects of the appearance of this bank. Important changes are found in households from municipalities with ...

Credit default swaps (CDSs), the basic building block of the credit risk market, offer investors the opportunity to either buy or sell default protection on a reference entity. The protection buyer pays a premium periodically for the possibility to get compensation if there is a credit event on the reference entity until maturity or the default time, which ever is first. If there is a credit ev...

This paper deals with finding outliers (exceptions) in large, multidimensional datasets. The identification of outliers can lead to the discovery of truly unexpected knowledge in areas such as electronic commerce, credit card fraud, and even the analysis of performance statistics of professional athletes. Existing methods that we have seen for finding outliers in large datasets can only deal ef...