The development and advancement of technologies have enabled users to complete their tasks efficiently. They have also provided them with various options and alternatives to complete and achieve their tasks. In such an environment, it is imperative for a user to make informed decisions that...

In this paper, we present the FC direct trust value-based decision making methodology, for making direct trust value based decisions regarding interactions in (a) a given context and during the current time slot, and (b) a given context and at a future time slot. The direct trust value-based...

Using a unique dataset of credit card mailings, we show that during the recent credit boom, consumers with mediocre credit scores received more credit card solicitations than those with high credit scores. However, this relationship reversed after the financial crisis. We also nd that consumers...

How do lenders of unsecured credit use screening and contract design to mitigate the risks of information asymmetry and limited commitment in the absence of collateral? To address this question, we take advantage of a unique dataset of over 200,000 credit card mail solicitations to a...

Are consumers who have filed for personal bankruptcy before excluded from the unsecured credit market? Using a unique data set of credit card mailings, we directly explore the supply of unsecured credit to consumers with the most conspicuous default risk--those with a bankruptcy history. On...

Our analysis so far has shown some interesting results. In particular, we find that the supply of unsecured credit to the households who filed for bankruptcy more than two years before is lower than that to the households with similar credit scores but no bankruptcy records on their credit...