Håvard Huse

The Journal of Finance and Data Science 11 Doi: https://doi.org/10.1016/j.jfds.2025.100166

This research delves into the predictive modeling of credit card delinquency by harnessing both credit and debit data, offering a nuanced perspective on consumer financial behavior. The study introduces a novel hierarchical Bayesian regression model that significantly surpasses traditional machine learning algorithms in predictive accuracy. By integrating behavioral aspects of financial decision-making, the model provides a profound understanding of the factors influencing delinquency, such as payment timing and repayment ability. We found that the combination of credit and debit data allows for a more comprehensive assessment of a cardholder's financial behavior and risk potential. The model effectively captures individual variations in financial behavior, making it possible to predict delinquency with higher precision. This approach not only enhances the predictive power but also aids in understanding the underlying patterns of financial behavior that lead to credit risk. The practical implications of this research are substantial for financial institutions, which can leverage these insights to refine risk assessment processes and develop targeted strategies for managing credit risk. The findings advocate for a more informed approach to credit scoring that considers broader behavioral factors, offering a strategic advantage in the competitive financial services market.

Transformative Marketing: Driving Business and Societal Change Conference Proceedings Doi: https://www.fuorirottaeventi.com/_files/ugd/c31e88_d0c53b5d32314f278d0626165099f1ec.pdf

This paper explores the measurement and definition of globalisation, critically assessing its relevance in contemporary discourse. Globalisation is often defined as the increasing interconnectedness of nations through economic, political, cultural, and technological exchanges. However, measuring this phenomenon remains complex due to its multifaceted nature. The study reviews prominent globalisation indices, including their methodologies and limitations, to understand how globalisation is quantified. By contextualizing globalisation within measurable parameters, the study highlights discrepancies in its perceived and actual impact. Key dimensions include trade flows, and foreign direct investments (FDI). We make use of both secondary data (judged crude) and primary data (judged biased) in order to identify critical dimensions. While globalisation may appear to be waning in traditional forms, it persists in new, often underexplored, dimensions. This nuanced understanding contributes to ongoing debates about the role of globalisation in shaping the global order and informs future research on its measurement and conceptualization.

Routledge Doi: https://doi.org/10.4324/9781003383208

Universitetsforlaget

Universitetsforlaget

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