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Indebted households profiling: a knowledge discovery from database approach [article]

Rodrigo Scarpel, Alexandros Ladas, Uwe Aickelin
2016 arXiv   pre-print
The objective of this work is to employ a knowledge discovery from database process to identify groups of indebted households and describe their profiles using a database collected by the Consumer Credit  ...  were described in order to identify the households who exhibit a high propensity of excessive debt levels.  ...  Indebted households profiling: a knowledge discovery from database approach Introduction Indebtedness in private households as a result of growing consumer credit use has dramatically risen and according  ... 
arXiv:1607.05869v1 fatcat:ktc6tpbcrzdc7ibkhaosp3bnba

Indebted Households Profiling: A Knowledge Discovery from Database Approach

Rodrigo Arnaldo Scarpel, Alexandros Ladas, Uwe Aickelin
2015 Social Science Research Network  
The objective of this work is to employ a knowledge discovery from database process to identify groups of indebted households and describe their profiles using a database collected by the Consumer Credit  ...  were described in order to identify the households who exhibit a high propensity of excessive debt levels.  ...  Indebted households profiling: a knowledge discovery from database approach Introduction Indebtedness in private households as a result of growing consumer credit use has dramatically risen and according  ... 
doi:10.2139/ssrn.2823245 fatcat:6m4g4dlvnfacpjv2oa3flrl7ga

Augmented Neural Networks for Modelling Consumer Indebtness

Alexandros Ladas, Jonathan M. Garibaldi, Rodrigo Arnaldo Scarpel, Uwe Aickelin
2014 Social Science Research Network  
A note on versions: The version presented here may differ from the published version or from the version of record. If you wish to cite this item you are advised to consult the publisher's version.  ...  For more information, please contact eprints@nottingham.ac.uk  ...  Index Terms-Knowledge Discovery, Neural Networks, Regression, Consumer Debt Analysis I.  ... 
doi:10.2139/ssrn.2828081 fatcat:qkno4bnmevfp5jkqyhxgsxjpqe

Indebted Households Profiling: A Knowledge Discovery from Database Approach

Rodrigo Arnaldo Scarpel, Alexandros Ladas, Uwe Aickelin
2015 Annals of Data Science  
The objective of this work is to employ a knowledge discovery from database process to identify groups of indebted households and describe their profiles using a database collected by the Consumer Credit  ...  were described in order to identify the households who exhibit a high propensity of excessive debt levels.  ...  This way, the objective of this work is to employ a knowledge discovery from database (KDD) process to identify groups of households and describe their profiles using a database collected by the Consumer  ... 
doi:10.1007/s40745-015-0031-2 fatcat:ycfkf2b5ibffxkijtxjcqg7wma

Augmented Neural Networks for modelling consumer indebtness

Alexandras Ladas, Jon Garibaldi, Rodrigo Scarpel, Uwe Aickelin
2014 2014 International Joint Conference on Neural Networks (IJCNN)  
Consumer Debt has risen to be an important problem of modern societies, generating a lot of research in order to understand the nature of consumer indebtness, which so far its modelling has been carried  ...  In particular, as our results show, Neural Networks achieve the best performance in modelling consumer indebtness, especially when they manage to incorporate the significant and experimentally verified  ...  in an elaborate process for Knowledge Discovery in any difficult real world problem like consumer indebtness.  ... 
doi:10.1109/ijcnn.2014.6889760 dblp:conf/ijcnn/LadasGSA14 fatcat:uignkakfb5gohau7npytrc665i

Augmented Neural Networks for Modelling Consumer Indebtness [article]

Alexandros Ladas, Jonathan M. Garibaldi, Rodrigo Scarpel, Uwe Aickelin
2014 arXiv   pre-print
Consumer Debt has risen to be an important problem of modern societies, generating a lot of research in order to understand the nature of consumer indebtness, which so far its modelling has been carried  ...  In particular, as our results show, Neural Networks achieve the best performance in modelling consumer indebtness, especially when they manage to incorporate the significant and experimentally verified  ...  in an elaborate process for Knowledge Discovery in any difficult real world problem like consumer indebtness.  ... 
arXiv:1409.1057v1 fatcat:wc76n47npbekfjsbwbsed2xd6m

Ethics of genetic testing and research in sport: a position statement from the Australian Institute of Sport

Nicole Vlahovich, Peter A Fricker, Matthew A Brown, David Hughes
2016 British Journal of Sports Medicine  
Athletes and coaches should be discouraged from using direct-to-consumer genetic testing because of its lack of validation and replicability and the lack of involvement of a medical practitioner in the  ...  Genetic research is only to be conducted after careful consideration of a range of ethical concerns which include the provision of adequate informed consent.  ...  /crn-advancing-exercise-sports-science) and Dr Silvia Manzanero for assistance with preparation of the manuscript.  ... 
doi:10.1136/bjsports-2016-096661 pmid:27899345 pmcid:PMC5256128 fatcat:x5n427aqp5anjcn73dsxmtusfm

In-depth behavior understanding and use: The behavior informatics approach

Longbing Cao
2010 Information Sciences  
Substantial experiments have shown that BI has the potential to greatly complement the existing empirical and specific means by finding deeper and more informative patterns leading to greater in-depth  ...  We propose the approach of Behavior Informatics (BI), in order to support explicit and quantitative behavior involvement through a conversion from source data to behavioral data, and further conduct genuine  ...  for knowledge discovery.  ... 
doi:10.1016/j.ins.2010.03.025 fatcat:wdhsie2wfva4loxjxunuw4nbw4

Transformative consumer research: Its origins and possible enrichment of the field of consumer research in South Africa

Leona M. Ungerer
2014 SA Journal of Industrial Psychology  
practices in the field of transformative consumer research and suggesting how they may augment consumer research in South Africa.  ...  A transformative consumer-research approach may address some of the fundamental problems in the way consumer psychologists plan and conduct their research, contributing to this lack of relevance.Practical  ...  Scholars in this field aim to produce knowledge that can be directly converted into new abilities and behaviour for supporting well-being.  ... 
doi:10.4102/sajip.v40i1.1163 fatcat:4iqnivkntrdmfbdaamhbsexuai

Domain-Driven, Actionable Knowledge Discovery

Longbing Cao, Chengqi Zhang, Qiang Yang, David Bell, Michail Vlachos, Bahar Taneri, Eamonn Keogh, Philip S. Yu, Ning Zhong, Mafruz Zaman Ashrafi, David Taniar, Eugene Dubossarsky (+1 others)
2007 IEEE Intelligent Systems  
Both researchers and practitioners are realizing the importance of domain knowledge to close this gap and develop actionable knowledge for real user needs.  ...  Data mining increasingly faces complex challenges in the real-life world of business problems and needs. 1 The gap between business expectations and R&D results in this area involves key aspects of the  ...  Acknowledgments I thank the Hong Kong Research Grants Council (grant 621606) for its support.  ... 
doi:10.1109/mis.2007.67 fatcat:obiwzv5q55ctfgre4smnq73gum

Radical behaviorist interpretation: Generating and evaluating an account of consumer behavior

Gordon R. Foxall
1998 The Behavior Analyst  
The chosen context is consumer psychology, a field currently dominated by cognitive models of purchase and consumption.  ...  The nature of operant interpretation is considered, and several levels of operant analysis of complex economic behavior in affluent marketing-oriented economies are developed.  ...  Evidence for Utilitarian and Informational Reinforcement The distinction between utilitarian and informational sources of reinforcement is empirically supported by work in behavior analysis as well as  ... 
doi:10.1007/bf03391971 pmid:22478315 pmcid:PMC2731411 fatcat:xjen3n2dznhfrgiqjpyh7izf4u

A knowledge-based methodology for tuning analytical models

R.S. Freedman, G.J. Stuzin
1991 IEEE Transactions on Systems, Man and Cybernetics  
In knowledge-based tuning, subjective judgments about missing factors are specified by the analyst in terms of linguistic variables.  ...  Such a methodology makes the model more acceptable to a decision-maker, and offers the potential of improving the decisions that either an analyst or a model can make alone.  ...  Computer: I was told that consumption depends on the factors consumer debt and consumer confidence. The specific rules are: 1. Consumer debt is extremely important to consumption. 2.  ... 
doi:10.1109/21.87083 fatcat:qnuzltllt5fklixecuiww6woim

Determinants of Financial Management Behavior of Millennial Generation in Surabaya

Aditya Yanuar Ramadhan, Nadia Asandimitra
2019 JURNAL MINDS Manajemen Ide dan Inspirasi  
Millennial generations in Surabaya have financial attitudes and knowledge, while also supported by adequate digital and internet literation.  ...  This study aims to investigate the factors that can affect financial management behavior with a sample of 184 millennial generations in Surabaya using multiple linear regressions.  ...  He explained the proposition is comprised of four main concepts, they are potential behavior, hopes, reinforcement value, and psychological situation.  ... 
doi:10.24252/minds.v6i2.9506 fatcat:xx5kb6st3jghripo7s24pc55fy

EXAMINING KEY DRIVERS FOR ONLINE IMPULSE BUYING IN MALAYSIAN'S PUBLIC UNIVERSITIES STUDENTS

Man Hong Lu, Muhammad Azim Abu Hassan Sha'ari, Jia Jin Chen, Jie Hunn Chen, Shwu Ching Bong
2021 Jurnal Manajemen dan Kewirausahaan  
Non-probability methods, judgement sampling, and convenience sampling were used to select respondents in this research, who ranged in age from 19 to over 30 years old and were university students in Malaysia  ...  With the current growth of the internet, there are signs of e-commerce in Malaysia growing and booming, such as Lazada, Mudah.my, Shopee, and others.  ...  The perceived utility of a website's product knowledge quest is thought to be a significant precursor to consumers' online purchasing actions.  ... 
doi:10.9744/jmk.23.2.104-110 fatcat:4x447jx35bgjvgnhe6b2olbsum

The Influence of Gender and Ethnicity on Young Adults' Participation in Financial Education Programme

Mohamad Fazli Sabri, Rusitha Wijekoon
2019 Journal of Management and Sustainability  
The findings of this study would be used to the development of financial empowerment program of youth in Malaysia in order to enhance their financial literacy.  ...  In addition, most of the Malay respondents said that they need more information to take efficient decisions on saving, borrowing and insurance, followed by Indians (64%) and Chinese (61.5%).  ...  After that we acknowledge many unknown respondents & secondary school officials for their valuable opinions & support for the successfulness of the survey.  ... 
doi:10.5539/jms.v9n1p159 fatcat:cgfytazdbrcwdmyf7gy5vr2gzu
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