Search results for "Credit card interest"

showing 3 items of 3 documents

Credit card incidents and control systems

2012

Abstract Credit and debit cards have spread and skyrocketed all around the world to become the most popular means of payments in many countries. Despite their enormous popularity, cards are not free of risk. Technology development and e-commerce have exponentially increased internal credit card incidents. This paper identifies and quantifies the different types of credit card fraud and puts into question the effectiveness of the role assigned to cardholders in its detection.

Card security codeComputer Networks and Communicationsmedia_common.quotation_subjectCredit card fraudLibrary and Information SciencesPaymentComputer securitycomputer.software_genreATM cardCredit cardBusinesscomputerMerchant servicesChargebackCredit card interestInformation Systemsmedia_commonInternational Journal of Information Management
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CREDIT RISK MANAGEMENT IN COMMERCIAL BANKS

2016

The article proposes a model of credit risk assessment on the basis of factor analysis of retail clients / borrowers in order to ensure predictive control of the level of risk posed by potential clients in commercial banks engaged in consumer lending. The aim of the study is to determine the level of risk represented by different groups (classes) of retail clients (borrowers) in order to reduce and prevent credit risk in the future as well as to improve the management of banking risks. The main results of the study are the creation of a model of borrowers’ internal credit ratings and the development of the methods of improving credit risk management in commercial banks.

FinanceOrganizational Behavior and Human Resource Management050208 financebusiness.industryStrategy and Managementeducation05 social sciencesCredit referenceFinancial risk managementsocial sciencesCredit risk assessmentCredit ratingCredit historyOrder (business)0502 economics and businessBusinessBusiness and International Managementhealth care economics and organizations050203 business & managementCredit card interestCredit riskPolish Journal of Management Studies
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Is the cardholder an efficient alarm system to detect credit card incidents?

2015

There is a growing tendency in credit card industry to increase the contribution of the smallest players, the cardholders, in the detection of card incidents. This article examines whether cardholders are efficient at detecting/communicating incidents of theft, loss or fraudulent use of their cards. The analysis focuses on whether they demonstrate enough speed of response to support a risk control subsystem by the issuer. The research follows a completely new approach showing how the issue can be handled by applying the concept of elasticity, a notion just recently exported from economics to the field of statistics by linking it with the reverse hazard rate. The issue is focused on the anal…

MarketingEconomics and EconometricsActuarial sciencebusiness.industryComputer science05 social sciencesPublic Health Environmental and Occupational HealthComputer securitycomputer.software_genre01 natural sciencesElasticity of a functionRisk perception010104 statistics & probabilityALARMCredit cardIssuer0502 economics and businessRisk Control050211 marketing0101 mathematicsbusinesscomputerApplied PsychologyRisk managementCredit card interestInternational Journal of Consumer Studies
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