This study analyzed the characteristics of high-risk defaulters in the peer-to-peer (P2P)
lending market using data from a European-based P2P lending platform, Bondora, from …

Predicting if a client is worth giving a loan—credit scoring—is one of the most essential and
popular problems in banking. Predictive models for this goal are built on the assumption that …

As machine learning (ML) algorithms are increasingly used to inform decisions across
domains, there has been a proliferation of literature seeking to define “fairness” narrowly as …

This chapter examines the new morality of debt in light of the rise of machine learning and
increasing datafication of lending. It argues that existing regulatory frameworks governing …

Pervasive systems are increasingly being deployed in new and innovative ways–be it in our
homes, vehicles, or public spaces. Such systems have the potential to bring a wide range of …

Leaners in the EFL paradigm struggle to achieve communicative proficiency with writing
being the skill most challenging to them. However, in the technologically driven generation …