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Emerging research shows that individual differences in how people use technology sometimes cluster by socioeconomic status (SES) and that when technology is not socioeconomically inclusive, low-SES individuals may abandon it. To understand…
Scoring models support decision-making in financial institutions. Their estimation and evaluation are based on the data of previously accepted applicants with known repayment behavior. This creates sampling bias: the available labeled data…
Consumption is a primary source of economic growth and key indicator of poverty. The establishment of community banks can provide credit resources, unlocking household consumption potential and playing a crucial role in economic…
A review of economic approaches showed the lack of a universal method for assessing management decisions in the face of an increasing volume of analyzed data and changing parameters of the external environment. The method of integral…
In this study we present a dynamical agent-based model to investigate the interplay between the socio-economy of and SEIRS-type epidemic spreading over a geographical area, divided to smaller area districts and further to smallest area…
Software plays a central role in modern societies, with its high economic value and potential for advancing societal change. In this paper, we characterise challenges and opportunities for a country progressing towards entering the global…
A good fit between the person and the organization is essential in a better organizational performance. This is even more crucial in case of institutionalization of a software product line practice within an organization. Employees…
The use of ATMs has become fundamental in the banking industry owing to the values transacted using these systems and their 24/7 usage. Although several researchers have studied the role of biometrics in security applications for financial…
Initially, free software communities are characterized by selfmanagement, however, they were also influenced by public and private organizations that identified potential gains in the use of the geographically distributed production model.…
The IS-Impact Measurement Model, developed by Gable, Sedera and Chan in 2008, represents the to-date and expected stream of net profits from a given information system (IS), as perceived by all major user classes. Although this model has…
The rapid growth of the e-commerce market in Indonesia, making various e-commerce companies appear and there has been high competition among them. Marketing intelligence is an important activity to measure competitive position. One element…
Financial management has been revolutionized by mobile banking, but increasing usefulness and satisfaction requires a better user experience. This study aims to provide an improved customer experience by offering user-friendly interfaces,…
We propose a social network-aware approach to studying socio-economic segregation. The key question that we address is whether patterns of segregation are more pronounced in social networks than the common spatial neighborhood-focused…
In this paper, we assess how the stability of financial networks is affected by interconnectedness considering its tiniest variation: the edge. We compute the impact of edges as the percentage difference in the systemic risk (SR) of the…
Statistical practice does not automatically follow methodological innovation. Regularization methods, widely advocated to reduce overfitting and stabilize inference, are readily available in modern software, but are not consistently used by…
People in informal e-markets often try to deal with fraud and financial harm by sharing posts, screenshots, and warnings in social media groups. However, buyers and sellers frequently face further problems because these reports are…
Along the rapid development of Information and communication technology (ICT) tools and growth of Internet access offer opportunities that facilitate teaching and learning activities in the context of higher education. However, the study of…
In this paper, we present a mathematical model to describe the temporal evolution of delinquent behavior, treating it as a socially transmitted phenomenon influenced by peer interactions, thus similar to an epidemic. We consider a…
Many socio-economic systems require positive economic growth rates to function properly. Given uncertainty about future growth rates and increasing evidence that economic growth is a driver of social and environmental crises, these growth…
We investigate a class of binary choice models with social interactions. We propose a unifying perspective that integrates economic models using a utility function and psychological models using an impact function. A general approach for…