{"id":"https://openalex.org/W3013599592","doi":"https://doi.org/10.1109/tnse.2020.2982488","title":"Secure Lending: Blockchain and Prospect Theory-Based Decentralized Credit Scoring Model","display_name":"Secure Lending: Blockchain and Prospect Theory-Based Decentralized Credit Scoring Model","publication_year":2020,"publication_date":"2020-03-24","ids":{"openalex":"https://openalex.org/W3013599592","doi":"https://doi.org/10.1109/tnse.2020.2982488","mag":"3013599592"},"language":"en","primary_location":{"id":"doi:10.1109/tnse.2020.2982488","is_oa":false,"landing_page_url":"https://doi.org/10.1109/tnse.2020.2982488","pdf_url":null,"source":{"id":"https://openalex.org/S2484352698","display_name":"IEEE Transactions on Network Science and Engineering","issn_l":"2327-4697","issn":["2327-4697","2334-329X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319808","host_organization_name":"Institute of Electrical and Electronics Engineers","host_organization_lineage":["https://openalex.org/P4310319808"],"host_organization_lineage_names":["Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Transactions on Network Science and Engineering","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/A5058693080","display_name":"Vikas Hassija","orcid":"https://orcid.org/0000-0002-3199-8753"},"institutions":[{"id":"https://openalex.org/I74796645","display_name":"Birla Institute of Technology and Science, Pilani","ror":"https://ror.org/001p3jz28","country_code":"IN","type":"education","lineage":["https://openalex.org/I74796645"]}],"countries":["IN"],"is_corresponding":true,"raw_author_name":"Vikas Hassija","raw_affiliation_strings":["Department of Electrical and Electronics Engineering, BITS-Pilani, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Electrical and Electronics Engineering, BITS-Pilani, India","institution_ids":["https://openalex.org/I74796645"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5027275085","display_name":"Gaurang Bansal","orcid":"https://orcid.org/0000-0003-2272-0941"},"institutions":[{"id":"https://openalex.org/I74796645","display_name":"Birla Institute of Technology and Science, Pilani","ror":"https://ror.org/001p3jz28","country_code":"IN","type":"education","lineage":["https://openalex.org/I74796645"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Gaurang Bansal","raw_affiliation_strings":["Department of Electrical and Electronics Engineering, BITS-Pilani, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Electrical and Electronics Engineering, BITS-Pilani, India","institution_ids":["https://openalex.org/I74796645"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5005020243","display_name":"Vinay Chamola","orcid":"https://orcid.org/0000-0002-6730-3060"},"institutions":[{"id":"https://openalex.org/I74796645","display_name":"Birla Institute of Technology and Science, Pilani","ror":"https://ror.org/001p3jz28","country_code":"IN","type":"education","lineage":["https://openalex.org/I74796645"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Vinay Chamola","raw_affiliation_strings":["Department of Electrical and Electronics Engineering, BITS-Pilani, India"],"raw_orcid":"https://orcid.org/0000-0002-6730-3060","affiliations":[{"raw_affiliation_string":"Department of Electrical and Electronics Engineering, BITS-Pilani, India","institution_ids":["https://openalex.org/I74796645"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5100409306","display_name":"Neeraj Kumar","orcid":"https://orcid.org/0000-0002-3020-3947"},"institutions":[{"id":"https://openalex.org/I143578492","display_name":"Asia University","ror":"https://ror.org/038a1tp19","country_code":"TW","type":"education","lineage":["https://openalex.org/I143578492"]},{"id":"https://openalex.org/I162030827","display_name":"Thapar Institute of Engineering & Technology","ror":"https://ror.org/00wdq3744","country_code":"IN","type":"education","lineage":["https://openalex.org/I162030827"]},{"id":"https://openalex.org/I185163786","display_name":"King Abdulaziz University","ror":"https://ror.org/02ma4wv74","country_code":"SA","type":"education","lineage":["https://openalex.org/I185163786"]}],"countries":["IN","SA","TW"],"is_corresponding":false,"raw_author_name":"Neeraj Kumar","raw_affiliation_strings":["Asia University, Taichung, Taiwan","King Abdulaziz University, Jeddah, Saudi Arabia","Thapar Institute of Engineering and Technology, Patiala, India"],"raw_orcid":"https://orcid.org/0000-0002-3020-3947","affiliations":[{"raw_affiliation_string":"Asia University, Taichung, Taiwan","institution_ids":["https://openalex.org/I143578492"]},{"raw_affiliation_string":"King Abdulaziz University, Jeddah, Saudi Arabia","institution_ids":["https://openalex.org/I185163786"]},{"raw_affiliation_string":"Thapar Institute of Engineering and Technology, Patiala, India","institution_ids":["https://openalex.org/I162030827"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5057916222","display_name":"Mohsen Guizani","orcid":"https://orcid.org/0000-0002-8972-8094"},"institutions":[{"id":"https://openalex.org/I60342839","display_name":"Qatar University","ror":"https://ror.org/00yhnba62","country_code":"QA","type":"education","lineage":["https://openalex.org/I60342839"]}],"countries":["QA"],"is_corresponding":false,"raw_author_name":"Mohsen Guizani","raw_affiliation_strings":["Department of Computer Science and Engineering, Qatar University, Doha, Qatar"],"raw_orcid":"https://orcid.org/0000-0002-8972-8094","affiliations":[{"raw_affiliation_string":"Department of Computer Science and Engineering, Qatar University, Doha, Qatar","institution_ids":["https://openalex.org/I60342839"]}]}],"institutions":[],"countries_distinct_count":4,"institutions_distinct_count":5,"corresponding_author_ids":["https://openalex.org/A5058693080"],"corresponding_institution_ids":["https://openalex.org/I74796645"],"apc_list":null,"apc_paid":null,"fwci":6.4033,"has_fulltext":false,"cited_by_count":50,"citation_normalized_percentile":{"value":0.96698613,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":100},"biblio":{"volume":"7","issue":"4","first_page":"2566","last_page":"2575"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10270","display_name":"Blockchain Technology Applications and Security","score":0.9998000264167786,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T10270","display_name":"Blockchain Technology Applications and Security","score":0.9998000264167786,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9814000129699707,"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/T10127","display_name":"Banking stability, regulation, efficiency","score":0.9810000061988831,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/credit-score","display_name":"Credit score","score":0.6430342793464661},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.6248248219490051},{"id":"https://openalex.org/keywords/database-transaction","display_name":"Database transaction","score":0.6183774471282959},{"id":"https://openalex.org/keywords/actuarial-science","display_name":"Actuarial science","score":0.523377537727356},{"id":"https://openalex.org/keywords/blockchain","display_name":"Blockchain","score":0.509594202041626},{"id":"https://openalex.org/keywords/credit-history","display_name":"Credit history","score":0.4934639036655426},{"id":"https://openalex.org/keywords/payment","display_name":"Payment","score":0.48789095878601074},{"id":"https://openalex.org/keywords/credit-enhancement","display_name":"Credit enhancement","score":0.471658855676651},{"id":"https://openalex.org/keywords/credit-rating","display_name":"Credit rating","score":0.45919880270957947},{"id":"https://openalex.org/keywords/investment","display_name":"Investment (military)","score":0.4494639039039612},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.4415895342826843},{"id":"https://openalex.org/keywords/credit-reference","display_name":"Credit reference","score":0.428332656621933},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.39353933930397034},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.37043288350105286},{"id":"https://openalex.org/keywords/computer-security","display_name":"Computer security","score":0.21295583248138428}],"concepts":[{"id":"https://openalex.org/C2777138686","wikidata":"https://www.wikidata.org/wiki/Q1787103","display_name":"Credit score","level":2,"score":0.6430342793464661},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.6248248219490051},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.6183774471282959},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.523377537727356},{"id":"https://openalex.org/C2779687700","wikidata":"https://www.wikidata.org/wiki/Q20514253","display_name":"Blockchain","level":2,"score":0.509594202041626},{"id":"https://openalex.org/C68842666","wikidata":"https://www.wikidata.org/wiki/Q1070699","display_name":"Credit history","level":2,"score":0.4934639036655426},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.48789095878601074},{"id":"https://openalex.org/C31348098","wikidata":"https://www.wikidata.org/wiki/Q3423719","display_name":"Credit enhancement","level":4,"score":0.471658855676651},{"id":"https://openalex.org/C205208723","wikidata":"https://www.wikidata.org/wiki/Q372765","display_name":"Credit rating","level":2,"score":0.45919880270957947},{"id":"https://openalex.org/C27548731","wikidata":"https://www.wikidata.org/wiki/Q88272","display_name":"Investment (military)","level":3,"score":0.4494639039039612},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.4415895342826843},{"id":"https://openalex.org/C24308983","wikidata":"https://www.wikidata.org/wiki/Q5183781","display_name":"Credit reference","level":3,"score":0.428332656621933},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.39353933930397034},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.37043288350105286},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.21295583248138428},{"id":"https://openalex.org/C94625758","wikidata":"https://www.wikidata.org/wiki/Q7163","display_name":"Politics","level":2,"score":0.0},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1109/tnse.2020.2982488","is_oa":false,"landing_page_url":"https://doi.org/10.1109/tnse.2020.2982488","pdf_url":null,"source":{"id":"https://openalex.org/S2484352698","display_name":"IEEE Transactions on Network Science and Engineering","issn_l":"2327-4697","issn":["2327-4697","2334-329X"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319808","host_organization_name":"Institute of Electrical and Electronics Engineers","host_organization_lineage":["https://openalex.org/P4310319808"],"host_organization_lineage_names":["Institute of Electrical and Electronics Engineers"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"IEEE Transactions on Network Science and Engineering","raw_type":"journal-article"},{"id":"pmh:oai:qspace.qu.edu.qa:10576/36722","is_oa":false,"landing_page_url":"https://www.scopus.com/inward/record.uri?partnerID=HzOxMe3b&scp=85082069267&origin=inward","pdf_url":null,"source":{"id":"https://openalex.org/S4306400014","display_name":"Qatar University QSpace (Qatar University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I60342839","host_organization_name":"Qatar University","host_organization_lineage":["https://openalex.org/I60342839"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Article"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Decent work and economic growth","score":0.4099999964237213,"id":"https://metadata.un.org/sdg/8"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":45,"referenced_works":["https://openalex.org/W1979067149","https://openalex.org/W1981781008","https://openalex.org/W2002463713","https://openalex.org/W2024018522","https://openalex.org/W2039153237","https://openalex.org/W2041946752","https://openalex.org/W2086367820","https://openalex.org/W2089100417","https://openalex.org/W2097752063","https://openalex.org/W2128251634","https://openalex.org/W2132669628","https://openalex.org/W2133772980","https://openalex.org/W2153136563","https://openalex.org/W2166877182","https://openalex.org/W2307376191","https://openalex.org/W2522004858","https://openalex.org/W2576243634","https://openalex.org/W2588674073","https://openalex.org/W2592433491","https://openalex.org/W2594981007","https://openalex.org/W2605738864","https://openalex.org/W2734482121","https://openalex.org/W2756359791","https://openalex.org/W2758361015","https://openalex.org/W2782556342","https://openalex.org/W2791124241","https://openalex.org/W2793139496","https://openalex.org/W2795991327","https://openalex.org/W2898906678","https://openalex.org/W2904485001","https://openalex.org/W2913535281","https://openalex.org/W2951529268","https://openalex.org/W2951694401","https://openalex.org/W2957002706","https://openalex.org/W2964062734","https://openalex.org/W2966619949","https://openalex.org/W2974298552","https://openalex.org/W2977433423","https://openalex.org/W2999379079","https://openalex.org/W3002438710","https://openalex.org/W3010401056","https://openalex.org/W3011451801","https://openalex.org/W3123572919","https://openalex.org/W3137092842","https://openalex.org/W6763997907"],"related_works":["https://openalex.org/W4206960362","https://openalex.org/W2356651304","https://openalex.org/W2356147009","https://openalex.org/W2368442854","https://openalex.org/W2289746664","https://openalex.org/W3010159172","https://openalex.org/W2382783850","https://openalex.org/W744770100","https://openalex.org/W3008010582","https://openalex.org/W1944041293"],"abstract_inverted_index":{"Credit":[0],"scoring":[1,23,87],"is":[2,40,62,99],"a":[3,44,59,63,69],"rigorous":[4],"statistical":[5],"analysis":[6],"carried":[7],"out":[8],"by":[9],"lenders":[10],"and":[11,65,89,117],"other":[12],"third":[13],"parties":[14],"to":[15,24,33,84,105,129],"access":[16],"an":[17,34],"individual's":[18],"creditworthiness.":[19],"Lenders":[20],"use":[21],"credit":[22,37,55,60,86],"estimate":[25],"the":[26,82,91,126,131],"degree":[27],"of":[28,71,93,95,110,115],"risk":[29,116,137],"in":[30],"lending":[31,111],"money":[32,98],"individual.":[35],"However,":[36],"score":[38,61],"evaluation":[39,88],"primarily":[41],"based":[42],"on":[43,120],"transaction":[45],"record,":[46],"payment":[47],"history,":[48],"professional":[49],"background,":[50],"etc.":[51],"sourced":[52],"from":[53],"different":[54,113,136],"bureaus.":[56],"So,":[57],"evaluating":[58],"laborious":[64],"tedious":[66],"task":[67],"involving":[68],"lot":[70],"paperwork.":[72,96],"In":[73],"this":[74],"paper,":[75],"we":[76],"propose":[77],"how":[78],"blockchain":[79],"can":[80],"provide":[81],"solution":[83],"decentralized":[85],"reducing":[90],"amount":[92],"dependence":[94],"Lending":[97],"not":[100],"always":[101],"objective":[102],"but":[103],"subjective":[104],"every":[106],"lender.":[107],"The":[108],"decision":[109],"involves":[112],"levels":[114],"uncertainty,":[118],"depending":[119],"their":[121],"perspective.":[122],"This":[123],"paper":[124],"uses":[125],"prospect":[127],"theory":[128],"model":[130],"optimal":[132],"investment":[133],"strategy":[134],"for":[135],"vs.":[138],"return":[139],"scenarios.":[140]},"counts_by_year":[{"year":2026,"cited_by_count":3},{"year":2025,"cited_by_count":14},{"year":2024,"cited_by_count":10},{"year":2023,"cited_by_count":10},{"year":2022,"cited_by_count":7},{"year":2021,"cited_by_count":5},{"year":2020,"cited_by_count":1}],"updated_date":"2026-05-07T13:39:58.223016","created_date":"2025-10-10T00:00:00"}