{"id":"https://openalex.org/W4388571879","doi":"https://doi.org/10.1007/s10660-023-09778-2","title":"Watch your Wallet closely with online microloans: a two-stage model for delinquency and default risk management","display_name":"Watch your Wallet closely with online microloans: a two-stage model for delinquency and default risk management","publication_year":2023,"publication_date":"2023-11-09","ids":{"openalex":"https://openalex.org/W4388571879","doi":"https://doi.org/10.1007/s10660-023-09778-2"},"language":"en","primary_location":{"id":"doi:10.1007/s10660-023-09778-2","is_oa":false,"landing_page_url":"https://doi.org/10.1007/s10660-023-09778-2","pdf_url":null,"source":{"id":"https://openalex.org/S205929853","display_name":"Electronic Commerce Research","issn_l":"1389-5753","issn":["1389-5753","1572-9362"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319900","host_organization_name":"Springer Science+Business Media","host_organization_lineage":["https://openalex.org/P4310319900","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Science+Business Media","Springer Nature"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Electronic Commerce Research","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5019332496","display_name":"Jiayan Han","orcid":null},"institutions":[{"id":"https://openalex.org/I24943067","display_name":"Fudan University","ror":"https://ror.org/013q1eq08","country_code":"CN","type":"education","lineage":["https://openalex.org/I24943067"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Jiayan Han","raw_affiliation_strings":["Fudan University, Shanghai, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Fudan University, Shanghai, China","institution_ids":["https://openalex.org/I24943067"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100365667","display_name":"Tian Lu","orcid":"https://orcid.org/0000-0003-3730-1897"},"institutions":[{"id":"https://openalex.org/I55732556","display_name":"Arizona State University","ror":"https://ror.org/03efmqc40","country_code":"US","type":"education","lineage":["https://openalex.org/I55732556"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Tian Lu","raw_affiliation_strings":["Arizona State University, 400 E Lemon St., Tempe, AZ, 85287, USA"],"raw_orcid":"https://orcid.org/0000-0003-3730-1897","affiliations":[{"raw_affiliation_string":"Arizona State University, 400 E Lemon St., Tempe, AZ, 85287, USA","institution_ids":["https://openalex.org/I55732556"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5021482484","display_name":"Yunjie Xu","orcid":null},"institutions":[{"id":"https://openalex.org/I24943067","display_name":"Fudan University","ror":"https://ror.org/013q1eq08","country_code":"CN","type":"education","lineage":["https://openalex.org/I24943067"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Yunjie Xu","raw_affiliation_strings":["Fudan University, Shanghai, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Fudan University, Shanghai, China","institution_ids":["https://openalex.org/I24943067"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5049674716","display_name":"Cheng Zhang","orcid":"https://orcid.org/0000-0002-8277-5138"},"institutions":[{"id":"https://openalex.org/I24943067","display_name":"Fudan University","ror":"https://ror.org/013q1eq08","country_code":"CN","type":"education","lineage":["https://openalex.org/I24943067"]}],"countries":["CN"],"is_corresponding":false,"raw_author_name":"Chenghong Zhang","raw_affiliation_strings":["Fudan University, Shanghai, China"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Fudan University, Shanghai, China","institution_ids":["https://openalex.org/I24943067"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":4,"corresponding_author_ids":["https://openalex.org/A5100365667"],"corresponding_institution_ids":["https://openalex.org/I55732556"],"apc_list":{"value":2290,"currency":"EUR","value_usd":2890},"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.22760108,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"25","issue":"4","first_page":"2923","last_page":"2953"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9997000098228455,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9997000098228455,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9991000294685364,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11365","display_name":"Islamic Finance and Banking Studies","score":0.9926999807357788,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.6816282272338867},{"id":"https://openalex.org/keywords/juvenile-delinquency","display_name":"Juvenile delinquency","score":0.6669163703918457},{"id":"https://openalex.org/keywords/debt","display_name":"Debt","score":0.5645650625228882},{"id":"https://openalex.org/keywords/risk-management","display_name":"Risk management","score":0.5480846762657166},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.5374572277069092},{"id":"https://openalex.org/keywords/default","display_name":"Default","score":0.526022732257843},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.4989748001098633},{"id":"https://openalex.org/keywords/service","display_name":"Service (business)","score":0.48045986890792847},{"id":"https://openalex.org/keywords/default-risk","display_name":"Default risk","score":0.46402508020401},{"id":"https://openalex.org/keywords/debt-service-coverage-ratio","display_name":"Debt service coverage ratio","score":0.4210377335548401},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.4082440733909607},{"id":"https://openalex.org/keywords/risk-analysis","display_name":"Risk analysis (engineering)","score":0.34179553389549255},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.2899988889694214},{"id":"https://openalex.org/keywords/marketing","display_name":"Marketing","score":0.10301750898361206},{"id":"https://openalex.org/keywords/psychology","display_name":"Psychology","score":0.07095327973365784},{"id":"https://openalex.org/keywords/external-debt","display_name":"External debt","score":0.06424078345298767}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.6816282272338867},{"id":"https://openalex.org/C71376074","wikidata":"https://www.wikidata.org/wiki/Q1001125","display_name":"Juvenile delinquency","level":2,"score":0.6669163703918457},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.5645650625228882},{"id":"https://openalex.org/C32896092","wikidata":"https://www.wikidata.org/wiki/Q189447","display_name":"Risk management","level":2,"score":0.5480846762657166},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.5374572277069092},{"id":"https://openalex.org/C69637215","wikidata":"https://www.wikidata.org/wiki/Q702362","display_name":"Default","level":2,"score":0.526022732257843},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4989748001098633},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.48045986890792847},{"id":"https://openalex.org/C2984055962","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Default risk","level":3,"score":0.46402508020401},{"id":"https://openalex.org/C171562969","wikidata":"https://www.wikidata.org/wiki/Q1713926","display_name":"Debt service coverage ratio","level":4,"score":0.4210377335548401},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.4082440733909607},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.34179553389549255},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.2899988889694214},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.10301750898361206},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.07095327973365784},{"id":"https://openalex.org/C44171179","wikidata":"https://www.wikidata.org/wiki/Q461319","display_name":"External debt","level":3,"score":0.06424078345298767},{"id":"https://openalex.org/C118552586","wikidata":"https://www.wikidata.org/wiki/Q7867","display_name":"Psychiatry","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1007/s10660-023-09778-2","is_oa":false,"landing_page_url":"https://doi.org/10.1007/s10660-023-09778-2","pdf_url":null,"source":{"id":"https://openalex.org/S205929853","display_name":"Electronic Commerce Research","issn_l":"1389-5753","issn":["1389-5753","1572-9362"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319900","host_organization_name":"Springer Science+Business Media","host_organization_lineage":["https://openalex.org/P4310319900","https://openalex.org/P4310319965"],"host_organization_lineage_names":["Springer Science+Business Media","Springer Nature"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Electronic Commerce Research","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.44999998807907104,"id":"https://metadata.un.org/sdg/10","display_name":"Reduced inequalities"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":54,"referenced_works":["https://openalex.org/W9532953","https://openalex.org/W47455094","https://openalex.org/W341989895","https://openalex.org/W798533101","https://openalex.org/W1428273565","https://openalex.org/W1484597215","https://openalex.org/W1492301556","https://openalex.org/W1509293665","https://openalex.org/W1528910937","https://openalex.org/W1551381317","https://openalex.org/W1663837557","https://openalex.org/W1962520980","https://openalex.org/W1989168730","https://openalex.org/W1991695486","https://openalex.org/W2004877180","https://openalex.org/W2026365670","https://openalex.org/W2045286995","https://openalex.org/W2056698817","https://openalex.org/W2063841322","https://openalex.org/W2100759107","https://openalex.org/W2115059495","https://openalex.org/W2121438156","https://openalex.org/W2155595614","https://openalex.org/W2161693416","https://openalex.org/W2163021412","https://openalex.org/W2171300730","https://openalex.org/W2185712725","https://openalex.org/W2204775841","https://openalex.org/W2215139283","https://openalex.org/W2316439516","https://openalex.org/W2415237311","https://openalex.org/W2483015397","https://openalex.org/W2560213061","https://openalex.org/W2560354148","https://openalex.org/W2564744000","https://openalex.org/W2573121609","https://openalex.org/W2747436277","https://openalex.org/W2788294095","https://openalex.org/W2804638224","https://openalex.org/W2950717973","https://openalex.org/W2990175177","https://openalex.org/W3015651994","https://openalex.org/W3024639873","https://openalex.org/W3123293505","https://openalex.org/W3123383317","https://openalex.org/W3124171143","https://openalex.org/W3124251162","https://openalex.org/W3124284538","https://openalex.org/W3125209152","https://openalex.org/W3126098980","https://openalex.org/W3133916247","https://openalex.org/W3145038313","https://openalex.org/W3167356453","https://openalex.org/W7037411764"],"related_works":["https://openalex.org/W2970043271","https://openalex.org/W3125322515","https://openalex.org/W2082654801","https://openalex.org/W3177443395","https://openalex.org/W2120990309","https://openalex.org/W3124343794","https://openalex.org/W2004818833","https://openalex.org/W2117470999","https://openalex.org/W3124409314","https://openalex.org/W3125348865"],"abstract_inverted_index":null,"counts_by_year":[],"updated_date":"2025-11-06T03:46:38.306776","created_date":"2025-10-10T00:00:00"}
