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In a context of global economy, addressing SMEs performance within a local framework appears rather a naive approach. The key drawback of such an approach stems from its restriction to socio-economic factors that might lead to biased…
Credit risk assessment of a company is commonly conducted by utilizing financial ratios that are derived from its financial statements. However, this approach may not fully encompass other significant aspects of a company. We propose the…
Loan risk for small businesses has long been a complex problem worthy of exploring. Predicting the loan risk can benefit entrepreneurship by developing more jobs for the society. CatBoost (Categorical Boosting) is a powerful machine…
Finding a suited software solution for a company poses a resource-intensive task in an ever-widening market. Software should solve the technical task at hand as perfectly as possible and, at the same time, match the company strategy. Based…
Credit scoring models are the primary instrument used by financial institutions to manage credit risk. The scarcity of research on behavioral scoring is due to the difficult data access. Financial institutions have to maintain the privacy…
Security risk assessment methods have served us well over the last two decades. As the complexity, pervasiveness and automation of technology systems increases, particularly with the Internet of Things (IoT), there is a convincing argument…
The digitalization of credit scoring has become essential for financial institutions and commercial banks, especially in the era of digital transformation. Machine learning techniques are commonly used to evaluate customers'…
Large companies are fully engaged in their digital transformation, specifically in developing strategic Business Intelligence (BI) projects. They have a Digital Strategy and top-level executives managing the change. BI projects are also…
The importance of cybersecurity for Small and Medium Enterprises (SMEs) has never been greater, especially given the rise of AI-driven threats. Supporting SMEs requires a sustained effort to ensure they have access to resources and…
The fragility of financial systems was starkly demonstrated in early 2023 through a cascade of major bank failures in the United States, including the second, third, and fourth largest collapses in the US history. The highly interdependent…
Digitization increases business opportunities and the risk of companies being victims of devastating cyberattacks. Therefore, managing risk exposure and cybersecurity strategies is essential for digitized companies that want to survive in…
Small and Medium Enterprises (SMEs) now generate digital data at an unprecedented rate from online transactions, social media marketing and associated customer interactions, online product or service reviews and feedback, clinical…
In this research, we introduce a robust metric to identify Systemically Important Financial Institution (SIFI) in a financial network by taking into account both common idiosyncratic shocks and contagion through counterparty exposures. We…
The fundamental step in measuring the robustness of a system is the synthesis of the so called Process Map.This is generally based on the user raw data material.Process Maps are of fundamental importance towards the understanding of the…
Research capacity is critical in understanding systemic risk and informing new regulation. Banking regulation has not kept pace with all the complexities of financial innovation. The academic literature on systemic risk is rapidly…
Since the 1990s, there have been significant advances in the technology space and the e-Commerce area, leading to an exponential increase in demand for cashless payment solutions. This has led to increased demand for credit cards, bringing…
Globally, two billion people and more than half of the poorest adults do not use formal financial services. Consequently, there is increased emphasis on developing financial technology that can facilitate access to financial products for…
An important area of anti-crisis public administration is the development of small businesses. They are an important part of the economy of developed and developing countries, provide employment for a significant part of the population and…
Assessment of risk levels for existing credit accounts is important to the implementation of bank policies and offering financial products. This paper uses cluster analysis of behaviour of credit card accounts to help assess credit risk…
This paper proposes a new challenge problem for software analytics. In the process we shall call "software review", a panel of SMEs (subject matter experts) review examples of software behavior to recommend how to improve that's software's…