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Vulnerabilities in first-generation RFID-enabled credit cards
contactless payments card transactions vulnerabilities approaches for security
2011/8/22
The article focuses on the use of radio frequency identification (RFID)-enabled credit cards. They allow contactless payments to be fast, easy, and often more reliable than magnetic stripe card transa...
A two-stage dynamic credit scoring model, based on customers’ profile and time horizon
credit scoring model logistic regression survival analysis
2011/8/22
As credit card usage has expanded rapidly worldwide, credit scoring has become a very important task for banks, which can benefit from reducing possible risks of default. Credit scoring models help de...
Credit Scoring and Its Effects on the Availability and Affordability of Credit
Accurate Credit Transaction Act federal agencies credit reporting industry credit scoring
2011/8/22
The Fair and Accurate Credit Transaction Act of 2003 (the FACT Act) directed several federal agencies to conduct studies related to the credit reporting industry. A primary concern was the accuracy an...
The article discusses how to use credit cards wisely. Do not accumulate more charges than you can pay off within one month. Be careful about using business credit cards, as these do not enjoy the prot...
VALUATION OF CREDIT DEFAULT SWAPTIONS AND CREDIT DEFAULT INDEX SWAPTIONS
Black formula credit default index swap Credit default swap credit default swaption hedging
2011/8/22
The paper provides simple and rigorous, albeit fairly general, derivations of valuation formulae for credit default swaptions and credit default index swaptions. Results of this work cover as special ...
Greenwood v. CompuCredit Corp.: The Ninth Circuit's Misdirected Interpretation of the Credit Repair Organizations Act
provision Credit Repair Operations Act arbitration agreement plaintiff alleged violation
2011/8/22
The article discusses a court case wherein the U.S. Court of Appeals for the Ninth Circuit examined the provision of the Credit Repair Operations Act (CROA) on arbitration agreement in a credit-repair...
Giving Credit Where Credit is Due: The Psychology of Credit Ratings
credit ratings credit scores actual credit reports internal locus-of-control
2011/8/22
The purpose of this study is to examine the effect of personality on credit ratings, measured in terms of credit scores from actual credit reports. Personality is measured in terms of an individual's ...
The Surprising Use of Credit Scoring in Small Business Lending by Community Banks and the Attendant Effects on Credit Availability and Risk
banks credit scoring small business
2011/8/22
The literature has documented a positive relationship between the use of credit scoring for small business loans and small business credit availability, broadly defined. However, this literature is ha...
The article discusses several actions consumers can take that could harm their credit scores. Carrying a large credit-card balance for an extended period of time can reduce a score, as can opening sev...
The Response of Corporate Financing and Investment to Changes in the Supply of Credit
credit corporate financing investment fluctuations
2011/8/22
We examine how shocks to the supply of credit impact corporate financing and investment using the collapse of Drexel Burnham Lambert, Inc.; the passage of the Financial Institutions Reform, Recovery, ...
Assessing Credit Quality from the Equity Market: Can a Structural Approach Forecast Credit Ratings?
Credit rating default probability distance-to-default structural credit risk model Cote de crédit
2011/8/22
We investigate the empirical performance of default probability prediction based on Merton's (1974) structural credit risk model. More specifically, we study if distance-to-default is a sufficient sta...
A simulation study of Basel II expected loss distributions for a portfolio of credit cards
Basel II consumer credit expected loss simulation
2011/8/22
Credit scoring models have been used traditionally as the basis of decisions to reject or accept credit applications. They are also used to categorize applicants or existing accounts into risk groups....
Earned Income Tax Credit Recipients: Income, Marginal Tax Rates, Wealth, and Credit Constraints
Earned Income Tax Credit population Survey of Consumer Finances wealth distribution
2011/8/22
The article summarizes the details of the Earned Income Tax Credit (EITC) and describes the population of EITC recipients in the U.S. It explores the usability of the data from the Survey of Consumer ...
Why Free Markets Can Sometimes Turn into "Peacock Markets": The Evolution of Credit Cards
credit cards lock-in peacock regulation
2011/8/22
The credit card market has evolved into what is defined here as a "peacock market." Analogous to extravagant and inefficient male peacock displays, a "peacock market" has developed to become dominated...
This article discusses the importance for business people to keep their credit record clean and offers suggestions for ensuring a good credit score. Dan Meder of Experian, a national credit bureau, re...