Business Analytics Commons^™

A Credit Analysis Of The Unbanked And Underbanked: An Argument For Alternative Data, Edwin Baidoo

Doctor of Data Science and Analytics Dissertations

The purpose of this study is to ascertain the statistical and economic significance of non-traditional credit data for individuals who do not have sufficient economic data, collectively known as the unbanked and underbanked. The consequences of not having sufficient economic information often determines whether unbanked and underbanked individuals will receive higher price of credit or be denied entirely. In terms of regulation, there is a strong interest in credit models that will inform policies on how to gradually move sections of the unbanked and underbanked population into the general financial network.

In Chapter 2 of the dissertation, I establish the …

Analyzing Local Alcohol Vendor Inventory Management Strategy, Angelo J. Amore

Senior Theses

This paper attempts to analyze how local alcohol vendors maintain their inventory throughout the year in Columbia, attempting to manage factors such as the season, sporting events, and other public gatherings and events. The research question resulted in contacting over 30 local alcohol vendors in Columbia, to ask them questions regarding their strategy in alcohol inventory management. The responses to these questions were then used to organize the vendors into groups by whether or not they utilize a reorder point to purchase/brew alcohol, or if they utilize periodic ordering. The vendors were also asked to rank the seasons from most …

2020 Ijbe Front Matter

International Journal for Business Education

1. Editorial Board
2. Letter from International President
3. SIEC-ISBE International

A Novel Penalized Log-Likelihood Function For Class Imbalance Problem, Lili Zhang

Doctor of Data Science and Analytics Dissertations

The log-likelihood function is the optimization objective in the maximum likelihood method for estimating models (e.g., logistic regression, neural network). However, its formulation is based on assumptions that the target classes are equally distributed and the overall accuracy is maximized, which do not apply to class imbalance problems (e.g., fraud detection, rare disease diagnoses, customer conversion prediction, cybersecurity, predictive maintenance). When trained on imbalanced data, the resulting models tend to be biased towards the majority class (i.e. non-event), which can bring great loss in practice. One strategy for mitigating such bias is to penalize the misclassification costs of observations differently …

Understanding The Dimensions Of Medical Crowdfunding: A Visual Analytics Approach, Jie Ren, Viju Raghupathi, Wullianallur Raghupathi

Publications and Research

Background: Medical crowdfunding has emerged as a growing field for fundraising opportunities. Some environmental trends have driven the emergence of campaigns to raise funds for medical care. These trends include lack of medical insurance, economic backlash following the 2008 financial collapse, and shortcomings of health care regulations.

Objective: Research regarding crowdfunding campaign use, reasons, and effects on the provision of medical care and individual relationships in health systems is limited. This study aimed to explore the nature and dimensions of the phenomenon of medical crowdfunding using a visual analytics approach and data crawled from the GoFundMe crowdfunding platform in 2019. …

The Analytics Managers Ultimate Guide For Working With Universities, Robert J. Mcgrath

Faculty Publications

The challenges organizations are having related to finding (and retaining) deep analytical talent did not materialize out of thin air…or overnight. Analytics and Data science – and the role of the analytics professional – has evolved over the last several decades and has been fueled by our ability to capture and process increasingly larger and more complex variations of data and our desire to gain increasingly granular insights to fuel innovation and creativity. While many organizations recognize that a partnership with a university can be a resource to many of these challenges, the best way to start a conversation with …

Under Pressure: Decision Making In Aircraft Maintenance And The Role Of Gender, Stephanie Douglas Ph.D., Bettina M. Mrusek Ph.D.

National Training Aircraft Symposium (NTAS)

In aircraft maintenance, leaders are under near-constant pressure to maintain airworthiness. Every minute an aircraft cannot fly due to maintenance represents financial waste. Decisions are therefore made in a relatively quick fashion. A leader evaluates the situation, identifies a course of action and then communicates this message to a team of technicians. However, gender influences regarding leaders’ decisions can influence team members’ perceptions of those decisions.

The study will measure decision making methods of leaders in aircraft maintenance and the perceptions of the technicians. It informs how gender influences decision making from both the leader and follower perspective. The expected …

Determinants Of Small Business Innovation Research Performance, Ethan E. Blake

Theses and Dissertations

This analysis shows that the Air Force SBIR Program has seen a high rate of failure (over 91%) in Phase II efforts that have completed funding within the last three Fiscal Years. The Joint Capability Area assignment process and subsequent analysis identified several high and low performing groups. Force Integration, Battlespace Awareness, and Protection JCAs were top performers while Command/Control, Logistics, and Force Application were low performers. Additional analysis showed that small businesses have more than double the commercialization rate of large businesses. The commercialization rates for businesses with 150 employees or fewer is 9% while the rate for businesses …

An Investigation Into Subject Matter Expert Elicitation In Cost Risk Analysis, Christopher W. Miller

Theses and Dissertations

This research compares the efficacy of subject matter expert (SME) elicitation methods to other cost estimation methods using a development and production dataset provided by AFLCMC/FZC. First, by using descriptive statistics to evaluate low versus high amount of the respective cost estimation methods by analyzing the means of percent cost growth for both groups. Next, this research involved using a statistics-based approach to investigate whether SME based cost estimating methods have an associated relationship to percent change of Program Acquisition Unit Costs (PAUC), which will be our proxy variable to cost growth. Using a pooled cross-sectional OLS regression analysis model …

Insight-Driven Sales Management, Hesham O. Dinana

Faculty Book Chapters

In the new VUCA (Volatile, Uncertain, Complex and Ambiguous) world that we live in, there are new rules that will reshape many of the components of sales management, from prospecting, to lead qualification, to closing and relationship management. This chapter will explore the impact of technology, data proliferation, and omni-channel customer touch points on how organizations will manage their sales process and the sales teams in the integrated online and offline worlds (O2O sales). The digital-age consumer and the digital-age sales team will have different communication needs and tools that need to be addressed by sales leaders to ensure their …

Analysis Of Us Accidents And Solutions, Swapnil Kisan Nikam

Electronic Theses, Projects, and Dissertations

Reducing traffic accidents is an essential public safety challenge all over the world; therefore, accident analysis has been a subject of much research in recent decades.

The objective of the project is to analyze the US accident data from 50 states to inform the US government agencies and the general public on trends and possible causes of traffic accidents and what could be done to reduce them. The analysis include number of accidents by year, number of accidents by state, best time to travel by month, day and hour, accident-prone area in each state, factors responsible of the accidents like …

Implementing The Malcolm Baldrige Process For A Financial Institution: An Insiders Perspective, Scott Murray

Electronic Theses, Projects, and Dissertations

The Malcolm Baldrige Framework for Performance Excellence outlines best practices for strategic and operational processes. Enterprises that achieve the award do so not for the award itself – but for the transformation that takes place along the way. Although the fifty-page summaries of Malcolm Baldrige award winning organizations are posted on the National Institute of Science and Technology (NIST) (https://www.nist.gov/baldrige/award-recipients), the process and effort used to create such applications has not been documented. This project documents and provides an internal perspective and lessons learned from the early stages of the Malcolm Baldrige journey for a medium size financial institution. The …

Business Analytics Programs In Business School: What Can Marketing Do?, Yanbin Tu

Atlantic Marketing Association Proceedings

No abstract provided.

Social Media And University Enrollment: Can Social Media Be Used To Raise Awareness Of University Programs?, Hannah Nicole Starnes, Kelly Green Atkins

Atlantic Marketing Association Proceedings

No abstract provided.

Financial Technology Usage 2017 Predictive Analytics Study, Alan D. Smith

Atlantic Marketing Association Proceedings

No abstract provided.

Session 12 - Finance: Bias In, Bias Out? How To Fight Biases In Ai And Create Trust, Gerald Fahner

SDSU Data Science Symposium

Alarming headlines appear at an increasing rate about ‘biased AI’ leading to nontransparent decisions, discrimination and lack of trust.

Newcomers to AI application development are confronted with (and often struggle with) multiple traps that can inadvertently lead to biased and unreasonable automated decisions. By comparison, credit score developers have decades of experience in the “art and science” of mitigating biases through transparent and credible models and decisions that provide benefits to all stakeholders while complying with fair lending regulations.

In this presentation you will learn about traps to be avoided and get our unique perspective on how to achieve comprehension …

A Comparative Study Of Machine Learning Approaches For Human Activity Recognition, Loknath Ambati, Omar El-Gayar

SDSU Data Science Symposium

The goal of this project is to study the performance of Machine Learning (ML) techniques used in Human Activity Recognition (HAR). Specifically, we aim to 1) evaluate and benchmark the performance of various ML techniques used for HAR against established ML performance metrics using multiple datasets, and 2) map the characteristics of various HAR datasets to appropriate ML techniques. From a theoretical perspective, the research will shed light into the strengths and weaknesses of various ML techniques that can provide insights into future research aimed at improving these techniques for HAR. From a practical perspective, the research provides guidance into …

Virtual Water Flows Embodied In International And Interprovincial Trade Of Yellow River Basin: A Multiregional Input-Output Analysis, Guilian Tian, Xiaosheng Han, Chen Zhang, Jiaojiao Li, Jinjing Liu

Information Systems and Analytics Department Faculty Journal Articles

With the imminent need of regional environmental protection and sustainable economic development, the concept of virtual water is widely used to solve the problem of regional water shortage. In this paper, nine provinces, namely Qinghai, Sichuan, Gansu, Ningxia, Inner Mongolia, Shaanxi, Shanxi, Henan, and Shandong in the Yellow River Basin (YRB), are taken as the research objects. Through the analysis of input-output tables of 30 provinces in China in 2012, the characteristics of virtual water trade in this region are estimated by using a multi-regional input-output (MRIO) model. The results show that: (1) The YRB had a net inflow of …

Idea Co-Creation On Social Media Platforms: Towards A Theory Of Social Ideation, Pratyush Bharati, Kui Du, Abhijit Chaudhury, Narendra M. Agrawal

Information Systems and Analytics Department Faculty Journal Articles

Innovation scholars have long been discussing social media as a rich source of information, knowledge, and new ideas, yet, whether or how social media can directly intervene with organizational ideation processes remains unclear. In this study, we investigate the impact of external and enterprise social media platforms on organizational ideation. Grounded in seventy-nine cases and adapting social capital theory in social media contexts, this study attempts to develop a theory of social ideation. Social ideation consists of social media-enabled mechanisms that generate social capital, enable multi-level social exchanges, foster idea co-creation activities such as idea sourcing, filtering, elaboration, and integration, …

Leveraging Legal Analytics And Spend Data As A Law Firm Self-Governance Tool, Nancy B. Rapoport, Joseph R. Tiano Jr.

The Journal of Business, Entrepreneurship & the Law

Our essay has five parts: (i) a discussion of how external forces are reshaping the economics of today’s legal industry; (ii) examples of the types of decisions that tend to drive up the cost of bills in contravention of ethical duties; (iii) a discussion of possible reasons for those decisions (including a short discussion of social science explanations); (iv) a description of how attorneys can use data analytics tools to self-govern how they staff, deliver and bill for their legal services; and (v) recommendations for how both clients and law firms can benefit from proactively managing, on the front end, …