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Full-Text Articles in Physical Sciences and Mathematics
Modelling Customers Credit Card Behaviour Using Bidirectional Lstm Neural Networks, Maher Ala’Raj, Maysam F. Abbod, Munir Majdalawieh
Modelling Customers Credit Card Behaviour Using Bidirectional Lstm Neural Networks, Maher Ala’Raj, Maysam F. Abbod, Munir Majdalawieh
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With the rapid growth of consumer credit and the huge amount of financial data developing effective credit scoring models is very crucial. Researchers have developed complex credit scoring models using statistical and artificial intelligence (AI) techniques to help banks and financial institutions to support their financial decisions. Neural networks are considered as a mostly wide used technique in finance and business applications. Thus, the main aim of this paper is to help bank management in scoring credit card clients using machine learning by modelling and predicting the consumer behaviour with respect to two aspects: the probability of single and consecutive …
The Use Of Mobile Payment Systems In Post-Covid-19 Economic Recovery: Primary Research On An Emerging Market For Experience Goods, Maiya M. Suyunchaliyeva, Raghav Nautiyal, Aijaz A. Shaikh, Ravishankar Sharma
The Use Of Mobile Payment Systems In Post-Covid-19 Economic Recovery: Primary Research On An Emerging Market For Experience Goods, Maiya M. Suyunchaliyeva, Raghav Nautiyal, Aijaz A. Shaikh, Ravishankar Sharma
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This study investigated whether mobile payment services could drive post-COVID-19 pandemic recovery in the ‘experience goods’ sector (e.g., tourism) utilising Bandura’s self-efficacy or social cognitive theory. It explored the factors influencing the intention to continue using mobile payment services and the intention to recommend these to others. An empirical survey was conducted to assess the study variables, and the data obtained therefrom were analysed using the industry-standard Cross-Industry Standard Process for Data Mining method. The study results suggest that personal innovativeness and perceived trust influence consumers’ intention to continue using mobile payment services and that perceived trust, personal innovativeness and …