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In service industries, productivity growth requires matching the level of demand of the consumer and the level of service of the provider. This matching requires the service provider to have knowledge of consumer-related factors, such as the satisfaction level or the concept of value of the consumer. An intelligent model of the consumer is needed in order to estimate such factors because these factors...
The present financial tsunami has brought credit risk into a main focus. Dynamic credit scoring tools is highly demanded by commercial banks with products like credit cards. However, till now practitioners almost only employ statistical scoring models such as regressions. Thus the purpose of this paper is to provide for a new direction of attempts in modeling consumer credit risk and behavioral scoring...
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