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Articles 691 - 720 of 2514
Full-Text Articles in Computer Sciences
Development Of A Framework To Support Informed Shipbuilding Based On Supply Chain Disruptions, Katherine Smith, Rafael Diaz, Yuzhong Shen
Development Of A Framework To Support Informed Shipbuilding Based On Supply Chain Disruptions, Katherine Smith, Rafael Diaz, Yuzhong Shen
VMASC Publications
In addition to stresses induced by the Covid-19 pandemic, supply chains worldwide have been growing more complex while facing a continuous onslaught of disruptions. This paper presents an analysis and extension of a graph based model for modeling and simulating the effects of such disruptions. The graph based model combines a Bayesian network approach for simulating risks with a network dependency analysis approach for simulating the propagation of disruptions through the network over time. The initial analysis provides evidence supporting extension to for using a multi-layered approach allowing for the inclusion of cyclic features in supply chain models. Initial results …
Civiic: Cybercrime In Virginia: Impacts On Industry And Citizens Final Report, Randy Gainey, Tancy Vandecar-Burdin, Jay Albanese, Thomas Dearden, James Hawdon, Katalin Parti
Civiic: Cybercrime In Virginia: Impacts On Industry And Citizens Final Report, Randy Gainey, Tancy Vandecar-Burdin, Jay Albanese, Thomas Dearden, James Hawdon, Katalin Parti
Sociology & Criminal Justice Faculty Publications
[First paragraph] Victimization from cybercrime is a major concern in Virginia, the US, and the world. As individuals and businesses spend more time online, it becomes increasingly important to understand cybercrime and how to protect against it. Such an understanding is dependent on valid and reliable baseline data that identifies the specific nature, extent, and outcomes of cybercrime activity. A better understanding of cybercrime activity is needed to target and prevent it more effectively, minimize its consequences, and provide support for both individual and corporate victims. Before that can occur, however, better baseline data are required, and this project was …
Can I Touch The Clothes On The Screen? The Touch Effect In Online Shopping, Ha Kyung Lee, Dooyoung Choi
Can I Touch The Clothes On The Screen? The Touch Effect In Online Shopping, Ha Kyung Lee, Dooyoung Choi
STEMPS Faculty Publications
We examined the interplay effects of device types (touch vs. non-touch) and the tactile sensitivity (fur vs. woven) on the product attitudes mediated by the mental simulation for touch. The participants from MTurk were randomly assigned to one of two tactile conditions. Responses from those who used tablets (n=83, touch device) and laptops (n=96, non-touch device) were included in the analysis. The main effects of device types and tactile-sensitivity on the mental simulation for touch were significant. The interaction effect of device types and tactile sensitivity was also significant. Those participants seeing the less tactile-sensitive product showed greater mental simulation …
Relationship Between Vendor/Client Complementarity, Vendor Technology Maturity, Vendor Financial Stability, And It Outsourcing Project Outcomes, Everton A. Wilson
Relationship Between Vendor/Client Complementarity, Vendor Technology Maturity, Vendor Financial Stability, And It Outsourcing Project Outcomes, Everton A. Wilson
Walden Dissertations and Doctoral Studies
Business and IT leaders in financial services are concerned with the limited benefits they are reaping from information technology outsourcing (ITO) projects, despite continued heavy investments in ITO. Grounded in the transaction cost, agency, and resource-based view theories, the purpose of this quantitative correlational study was to examine the relationship between vendor/client complementarity, vendor technology maturity, vendor financial stability, and ITO success. Participants were 65 business and IT leaders in financial institutions engaged in ITO projects. The result of the multiple linear regression was significant, F(3, 61) = 4.845, p = .004, R2 = .192. In the final analysis, vendor/client …
Increasing Nurse Leader Knowledge And Awareness Of Information And Communication Technologies, Cory Stephens
Increasing Nurse Leader Knowledge And Awareness Of Information And Communication Technologies, Cory Stephens
Walden Dissertations and Doctoral Studies
Due to the recent coronavirus disease (COVID-19) pandemic, rapid technological innovation and nursing practice transformation exposed a deepening divide in the knowledge and awareness of information and communication technologies (ICT) among nurses. This technological skills gap undermines the benefits of ICT to nursing practice such as increased nurse satisfaction, improved care quality, and reduced costs. Nurse leaders are positioned to promote the use of ICT among nurses but may suffer from the same knowledge deficit of ICT as their followers. Guided by Locsin’s technological competencies as caring in nursing theory, Staggers and Parks’ nurse-computer interaction framework, and Covell’s nursing intellectual …
Strategies For Cybercrime Prevention In Information Technology Businesses, Sophfronia G. Tucker
Strategies For Cybercrime Prevention In Information Technology Businesses, Sophfronia G. Tucker
Walden Dissertations and Doctoral Studies
Cybercrime continues to be a devastating phenomenon, impacting individuals and businesses across the globe. Information technology (IT) businesses need solutions to defend and secure their data and networks from cyberattacks. Grounded in general systems theory and transformational leadership theory, the purpose of this qualitative multiple case study was to explore strategies IT business leaders use to protect their systems from a cyberattack. The participants included six IT business leaders with experience in cybersecurity or system security in the Midlands region of South Carolina. Data were collected using semistructured interviews and reviews of government standards documents; data were analyzed using thematic …
Employee Training Strategies For New Technology Implementation In Small Business, Eddy Varela
Employee Training Strategies For New Technology Implementation In Small Business, Eddy Varela
Walden Dissertations and Doctoral Studies
Failure to implement new technology creates a barrier to success for small businesses. Small business owners must create competitive advantages by implementing new technology as there is a need to maintain an advantage when competing in the local market economy. Grounded in the human capital theory, the purpose of this qualitative multiple case study was to explore the employee training strategies small business owners use to implement new technology. The participants were five small business owners in Central Florida who used employee training strategies to implement new technologies Data were collected using (a) semistructured interviews, (b) member checking interviews, (c) …
Editorial, Michael E. Whitman, Herbert J. Mattord, Hossain Shahriar
Editorial, Michael E. Whitman, Herbert J. Mattord, Hossain Shahriar
Journal of Cybersecurity Education, Research and Practice
Since 2016, it has been the mission of the Journal of Cybersecurity Education, Research, and Practice (JCERP) to be a premier outlet for high-quality information security and cybersecurity-related articles of interest to teaching faculty and students. This is the 13th edition of the (JCERP) and, as ever, we are seeking authors who produce high-quality research and practice-oriented articles focused on the development and delivery of information security and cybersecurity curriculum, innovation in applied scholarship, and industry best practices in information security and cybersecurity in the enterprise for double-blind review and publication. The journal invites submissions on Information Security, Cybersecurity, …
Strategies For Information Technology Small Business Owners To Sustain Beyond The First 5 Years, Edward Alan Rodarte
Strategies For Information Technology Small Business Owners To Sustain Beyond The First 5 Years, Edward Alan Rodarte
Walden Dissertations and Doctoral Studies
Small businesses are the foundation of an economy and spawn innovation, but small business owners fail at an alarming rate because they lack strategies to sustain business operations. Since 50% of small businesses fail within the first 5 years, small business sustainability research is critical to support small business owners. Grounded in entrepreneurial theory, the purpose of this multiple case study was to identify strategies information technology (IT) small business owners use to sustain operation beyond the first 5 years. The participants included four IT small business owners in the Southwestern United States who sustained operations beyond the first 5 …
Strategies For Adoption Of Innovative Information Technology For Business Performance Improvement, James Melvin Smith
Strategies For Adoption Of Innovative Information Technology For Business Performance Improvement, James Melvin Smith
Walden Dissertations and Doctoral Studies
Business leaders do not often consider investing in informational technology (IT) to increase performance. These business leaders lack knowledge of innovative IT adoption strategies to expand their revenue and reduce costs to sustain a competitive advantage. Grounded in the technology-organization-environment (TOE) theory, the purpose of this qualitative multiple case study was to explore IT innovation adoption strategies business leaders use to increase performance. The participants were four successful business leaders selected from finalists for international entrepreneurial awards presented annually in the Mid-Atlantic region of the United States. The data were collected using semistructured telephone interviews, media releases, and online publications. …
Strategies For Implementing Critical Success Factors For Improving Information Technology Information Systems’ Performance In Financial Organizations, Sherri L. Williams
Strategies For Implementing Critical Success Factors For Improving Information Technology Information Systems’ Performance In Financial Organizations, Sherri L. Williams
Walden Dissertations and Doctoral Studies
Information technology infrastructure library (ITIL) business leaders lack strategies for implementing critical success factors (CSFs) to promote organizational effectiveness and project success. As a result, ITIL leaders may experience less project success if CSF strategies are not effectively implemented. Grounded in the balanced scorecard (BSC) theory, this qualitative multiple case study aimed to explore strategies ITIL business leaders use to implement CSFs successfully to improve organizational efficiency for project success. The participants comprised five ITIL business leaders in the financial industry located in the southwestern region of the United States who successfully implemented strategies to implement CSFs to improve organizational …
Successful Strategies For Adopting Electronic Medical Records Systems At Hospitals, Vazi Okhandiar
Successful Strategies For Adopting Electronic Medical Records Systems At Hospitals, Vazi Okhandiar
Walden Dissertations and Doctoral Studies
Some healthcare leaders lack strategies to successfully implement electronic medical record (EMR) systems to improve patient care efficiency and effectiveness. Grounded in the technology acceptance model, the purpose of this qualitative multiple case study was to explore strategies healthcare leaders use to implement EMR systems. The participants comprised five healthcare leaders who implemented EMRs in U.S. hospitals. Data were collected using semistructured interviews, government websites, and relevant documents and analyzed using Yin’s five-step data analysis method. Three themes emerged: (a) adequate training, (b) workflow analysis, and (c) technical support. A key recommendation is for management to provide customized training to …
Strategies For Small-And Medium-Sized Business Growth And Survival, Abiodun Nestamanuel Ogunmuyiwa
Strategies For Small-And Medium-Sized Business Growth And Survival, Abiodun Nestamanuel Ogunmuyiwa
Walden Dissertations and Doctoral Studies
In the United States, approximately 50% of small businesses fail within the first five years (Small Business Administration, 2018b). Small and medium sized enterprises (SMEs) owners and managers would benefit from strategies to identify and mitigate constraints to sustain their business beyond the first five years of business operation. Grounded in the system theory framework, the purpose of this qualitative multiple case study was to explore strategies leaders of small and medium sized enterprises (SMEs) in Austin, Texas, used to grow and sustain their business’s operations beyond five years. The participants were five small and medium sized businesses owners in …
Strategies Business Leaders Use To Mitigate Online Credit Card Fraud, Clarissa Rosario-Tavarez
Strategies Business Leaders Use To Mitigate Online Credit Card Fraud, Clarissa Rosario-Tavarez
Walden Dissertations and Doctoral Studies
Online credit card fraud targeting banks, customers, and businesses costs millions of U.S. dollars annually. Online business leaders face challenges securing and regulating the online payment processing environment. Grounded in the situational crime prevention theory, the purpose of this qualitative multiple case study was to explore strategies online business leaders use to mitigate the loss of revenue caused by online credit card fraud. The participants comprised five online business leaders of an organization in the Southwest of the United States, who implemented strategies that successfully mitigated revenue losses due to online credit card fraud. The data were collected from semistructured …
Strategies That Improve Ux (User Experience) Design Through Product Innovation, Jibing Zhao
Strategies That Improve Ux (User Experience) Design Through Product Innovation, Jibing Zhao
Walden Dissertations and Doctoral Studies
User Experience (UX) design improvement can alter business results. Information technology (IT) company leaders are concerned with UX design improvement, as it is the number one indication of product innovation success and user satisfaction. Grounded in Christensen’s disruptive innovation theory, the purpose of the qualitative single case study was to explore strategies IT company leaders and UX designers used to identify critical UX design elements that lead to improved product innovations. The participants were five IT company leaders and a focus group of four UX designers employed by a sizeable telecom organization in Beijing, China. The data were collected from …
On The Use Of Allen’S Interval Algebra In The Coordination Of Resource Consumption By Transactional Business Processes, Zakaria Maamar, Fadwa Yahya, Lassaad Ben Ammar
On The Use Of Allen’S Interval Algebra In The Coordination Of Resource Consumption By Transactional Business Processes, Zakaria Maamar, Fadwa Yahya, Lassaad Ben Ammar
All Works
This paper presents an approach to coordinate the consumption of resources by transactional business processes. Resources are associated with consumption properties known as unlimited, limited, limited-but-extensible, shareable, and non-shareable restricting their availabilities at consumption-time. And, processes are associated with transactional properties known as pivot, retriable, and compensatable restricting their execution outcomes in term of either success or failure. To consider the intrinsic characteristics of both consumption properties and transactional properties when coordinating resource consumption by processes, the approach adopts Allen’s interval algebra through different time-interval relations like before, overlaps, and during to set up the coordination, which should lead to …
Bitcoin Selfish Mining Modeling And Dependability Analysis, Chencheng Zhou, Liudong Xing, Jun Guo, Qisi Liu
Bitcoin Selfish Mining Modeling And Dependability Analysis, Chencheng Zhou, Liudong Xing, Jun Guo, Qisi Liu
Electrical & Computer Engineering Faculty Publications
Blockchain technology has gained prominence over the last decade. Numerous achievements have been made regarding how this technology can be utilized in different aspects of the industry, market, and governmental departments. Due to the safety-critical and security-critical nature of their uses, it is pivotal to model the dependability of blockchain-based systems. In this study, we focus on Bitcoin, a blockchain-based peer-to-peer cryptocurrency system. A continuous-time Markov chain-based analytical method is put forward to model and quantify the dependability of the Bitcoin system under selfish mining attacks. Numerical results are provided to examine the influences of several key parameters related to …
Partnering For Value Perfection And Business Sustainability In The Cloud Services Brokerage Market, Richard Shang, Robert John Kauffman
Partnering For Value Perfection And Business Sustainability In The Cloud Services Brokerage Market, Richard Shang, Robert John Kauffman
Research Collection School Of Computing and Information Systems
The cloud computing and services market has advanced in the past ten years. They now include most IT services from fundamental computing to cutting-edge AI capabilities. With the widespread adoption of cloud services, clients are facing the fact that they are utilizing cloud resources at a sub-optimal level. Cloud services brokers (CSBs) grew from the market to fill the needs for cloud resource management and risk mitigation. Based on analysis of the cloud market and the case of cloud services brokerage and related activities in North America, we offer theoretical analysis for how value creation works, its impacts on the …
Customer Gaze Estimation In Retail Using Deep Learning, Shashimal Senarath, Primesh Pathirana, Dulani Meedeniya, Sampath Jayarathna
Customer Gaze Estimation In Retail Using Deep Learning, Shashimal Senarath, Primesh Pathirana, Dulani Meedeniya, Sampath Jayarathna
Computer Science Faculty Publications
At present, intelligent computing applications are widely used in different domains, including retail stores. The analysis of customer behaviour has become crucial for the benefit of both customers and retailers. In this regard, the concept of remote gaze estimation using deep learning has shown promising results in analyzing customer behaviour in retail due to its scalability, robustness, low cost, and uninterrupted nature. This study presents a three-stage, three-attention-based deep convolutional neural network for remote gaze estimation in retail using image data. In the first stage, we design a mechanism to estimate the 3D gaze of the subject using image data …
Ready Raider One: Exploring The Misuse Of Cloud Gaming Services, Guannan Liu, Daiping Liu, Shuai Hao, Xing Gao, Kun Sun, Haining Wang
Ready Raider One: Exploring The Misuse Of Cloud Gaming Services, Guannan Liu, Daiping Liu, Shuai Hao, Xing Gao, Kun Sun, Haining Wang
Computer Science Faculty Publications
Cloud gaming has become an emerging computing paradigm in recent years, allowing computer games to offload complex graphics and logic computation to the cloud. To deliver a smooth and high-quality gaming experience, cloud gaming services have invested abundant computing resources in the cloud, including adequate CPUs, top-tier GPUs, and high-bandwidth Internet connections. Unfortunately, the abundant computing resources offered by cloud gaming are vulnerable to misuse and exploitation for malicious purposes. In this paper, we present an in-depth study on security vulnerabilities in cloud gaming services. Specifically, we reveal that adversaries can purposely inject malicious programs/URLs into the cloud gaming services …
Comparison Of The Mental Burden On Nursing Care Providers With And Without Mat-Type Sleep State Sensors At A Nursing Home In Tokyo, Japan: Quasi-Experimental Study, Sakiko Itoh, Hwee-Pink Tan, Kenichi Kudo, Yasuko Ogata
Comparison Of The Mental Burden On Nursing Care Providers With And Without Mat-Type Sleep State Sensors At A Nursing Home In Tokyo, Japan: Quasi-Experimental Study, Sakiko Itoh, Hwee-Pink Tan, Kenichi Kudo, Yasuko Ogata
Research Collection School Of Computing and Information Systems
Background: Increasing need for nursing care has led to the increased burden on formal caregivers, with those in nursing homes having to deal with exhausting labor. Although research activities on the use of internet of things devices to support nursing care for older adults exist, there is limited evidence on the effectiveness of these interventions among formal caregivers in nursing homes. Objective: This study aims to investigate whether mat-type sleep state sensors for supporting nursing care can reduce the mental burden of formal caregivers in a nursing home. Methods: This was a quasi-experimental study at a nursing home in Tokyo, …
Face To Purchase: Predicting Consumer Choices With Structured Facial And Behavioral Traits Embedding, Zhe Liu, Xianzhi Wang, Lina Yao, Jake An, Lei Bai, Ee-Peng Lim
Face To Purchase: Predicting Consumer Choices With Structured Facial And Behavioral Traits Embedding, Zhe Liu, Xianzhi Wang, Lina Yao, Jake An, Lei Bai, Ee-Peng Lim
Research Collection School Of Computing and Information Systems
Predicting consumers’ purchasing behaviors is critical for targeted advertisement and sales promotion in e-commerce. Human faces are an invaluable source of information for gaining insights into consumer personality and behavioral traits. However, consumer's faces are largely unexplored in previous research, and the existing face-related studies focus on high-level features such as personality traits while neglecting the business significance of learning from facial data. We propose to predict consumers’ purchases based on their facial features and purchasing histories. We design a semi-supervised model based on a hierarchical embedding network to extract high-level features of consumers and to predict the top-N purchase …
Do Sequels Outperform Or Disappoint? Insights From An Analysis Of Amazon Echo Consumer Reviews, Kyong Jin Shim, Siaw Ling Lo, Su Yee Liew
Do Sequels Outperform Or Disappoint? Insights From An Analysis Of Amazon Echo Consumer Reviews, Kyong Jin Shim, Siaw Ling Lo, Su Yee Liew
Research Collection School Of Computing and Information Systems
Rapid technological advances in recent years drastically transformed our world. Amidst modern technological inventions such as smart phones, smart watches and smart home devices, consumers of electronic digital devices experience greatly improved automation, productivity, and efficiency in conducting routine daily tasks, information searching, shopping as well as finding entertainment. In the last few years, the global smart speaker market has undergone significant growth. As technology continues to advance and smart speakers are equipped with innovative features, the adoption of smart speakers will increase and so will consumer expectations. This research paper presents an aspect-specific sentiment analysis of consumer reviews of …
Defining Smart Contract Defects On Ethereum, Jiachi Chen, Xin Xia, David Lo, John Grundy, Xiapu Luo, Ting Chen
Defining Smart Contract Defects On Ethereum, Jiachi Chen, Xin Xia, David Lo, John Grundy, Xiapu Luo, Ting Chen
Research Collection School Of Computing and Information Systems
Smart contracts are programs running on a blockchain. They are immutable to change, and hence can not be patched for bugs once deployed. Thus it is critical to ensure they are bug-free and well-designed before deployment. A Contract defect is an error, flaw or fault in a smart contract that causes it to produce an incorrect or unexpected result, or to behave in unintended ways. The detection of contract defects is a method to avoid potential bugs and improve the design of existing code. Since smart contracts contain numerous distinctive features, such as the gas system. decentralized, it is important …
Exploring Cyberterrorism, Topic Models And Social Networks Of Jihadists Dark Web Forums: A Computational Social Science Approach, Vivian Fiona Guetler
Exploring Cyberterrorism, Topic Models And Social Networks Of Jihadists Dark Web Forums: A Computational Social Science Approach, Vivian Fiona Guetler
Graduate Theses, Dissertations, and Problem Reports (ETD)
This three-article dissertation focuses on cyber-related topics on terrorist groups, specifically Jihadists’ use of technology, the application of natural language processing, and social networks in analyzing text data derived from terrorists' Dark Web forums. The first article explores cybercrime and cyberterrorism. As technology progresses, it facilitates new forms of behavior, including tech-related crimes known as cybercrime and cyberterrorism. In this article, I provide an analysis of the problems of cybercrime and cyberterrorism within the field of criminology by reviewing existing literature focusing on (a) the issues in defining terrorism, cybercrime, and cyberterrorism, (b) ways that cybercriminals commit a crime in …
Machine Infelicity In A Poignant Visitor Setting: Comparing Human And Ai’S Ability To Analyze Discourse, Martin Maccarthy, Hairong Shan
Machine Infelicity In A Poignant Visitor Setting: Comparing Human And Ai’S Ability To Analyze Discourse, Martin Maccarthy, Hairong Shan
Research outputs 2014 to 2021
This study compares the efficacy of computer and human analytics in a commemorative setting. Both deductive and inductive reasoning are compared using the same data across both methods. The data comprises 2490 non-repeated, non-dialogical social media comments from the popular touristic site Tripadvisor. Included in the analysis is participant observation at two Anzac commemorative sites, one in Western Australia and one in Northern France. The data is then processed using both Leximancer V4.51 and Dialectic Thematic Analysis. The findings demonstrate artificial intelligence (AI) was incapable of insight beyond metric-driven content analysis. While fully deduced by human analysis the metamodel was …
What Interactive Web Features Are Most Used, Travis Tyler
What Interactive Web Features Are Most Used, Travis Tyler
Experiential Learning Projects
The use of interactive features in websites has become common place on the internet. People use these tools to help navigate and understand the content related to that website. However, due the large variety of websites it can be tricky to understand what features are best to utilize based on the topic of your site. This paper seeks to address this issue by researching how users interact and utilized different features on different websites. Research is gathered via scholarly articles and direct data gathered from volunteers. This data shows users tend to favor more interactive tools to help with navigation, …
Prediction Of Iraqi Stock Exchange Using Optimized Based-Neural Network, Ameer Al-Haq Al-Shamery, Prof. Dr. Eman Salih Al-Shamery
Prediction Of Iraqi Stock Exchange Using Optimized Based-Neural Network, Ameer Al-Haq Al-Shamery, Prof. Dr. Eman Salih Al-Shamery
Karbala International Journal of Modern Science
Stock market prediction is an interesting financial topic that has attracted the attention of researchers for the last years. This paper aims at improving the prediction of the Iraq-Stock-Exchange (ISX) using a developed method of feedforward Neural-Networks based on the Quasi-Newton optimization approach. The proposed method reduces the error factor depending on the Jacobian vector and Lagrange multiplier. This improvement has led to accelerating convergence during the learning process. A sample of companies listed on ISX was selected. This includes twenty-six banks for the years from 2010 to 2020. To evaluate the proposed model, the research findings are compared with …
The Power Of Renegotiation And Monitoring In Software Outsourcing: Substitutes Or Complements?, He Huang, Minhui Hu, Robert J. Kauffman, Hongyan Xu
The Power Of Renegotiation And Monitoring In Software Outsourcing: Substitutes Or Complements?, He Huang, Minhui Hu, Robert J. Kauffman, Hongyan Xu
Research Collection School Of Computing and Information Systems
Monitoring and contract renegotiation are two common solutions for addressing information asymmetry and uncertainty between a client and a vendor of software outsourcing services. Monitoring is mostly applied in time-and-materials contracts, as a basis for inspecting and reimbursing the vendor’s efforts in system development. Renegotiation, by contrast, is deployed in fixed-price and time-and-materials contracts to mitigate the loss of surplus from uncertainty after system development. We investigate the interaction between monitoring and renegotiation and examine the corresponding contract choice problem. We find that the client benefits from renegotiation based on two effects: an uncertainty-resolution effect and a post-development incentive effect, …
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
All Works
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 …