{"id":"https://openalex.org/W2625797906","doi":"https://doi.org/10.1145/3084381.3084425","title":"Real-Time Decision-Making to Serve the Unbanked Poor in the Developing World","display_name":"Real-Time Decision-Making to Serve the Unbanked Poor in the Developing World","publication_year":2017,"publication_date":"2017-06-16","ids":{"openalex":"https://openalex.org/W2625797906","doi":"https://doi.org/10.1145/3084381.3084425","mag":"2625797906"},"language":"en","primary_location":{"id":"doi:10.1145/3084381.3084425","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3084381.3084425","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research","raw_type":"proceedings-article"},"type":"conference-paper","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/A5028733660","display_name":"Lakshmi Mohan","orcid":"https://orcid.org/0000-0002-4489-2544"},"institutions":[{"id":"https://openalex.org/I113508548","display_name":"Albany State University","ror":"https://ror.org/01vme4277","country_code":"US","type":"education","lineage":["https://openalex.org/I113508548"]},{"id":"https://openalex.org/I392282","display_name":"University at Albany, State University of New York","ror":"https://ror.org/012zs8222","country_code":"US","type":"education","lineage":["https://openalex.org/I392282"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Lakshmi Mohan","raw_affiliation_strings":["University at Albany, State University of New York, Albany, NY, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University at Albany, State University of New York, Albany, NY, USA","institution_ids":["https://openalex.org/I113508548","https://openalex.org/I392282"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5054127337","display_name":"Devendra Potnis","orcid":"https://orcid.org/0000-0003-2507-8157"},"institutions":[{"id":"https://openalex.org/I75027704","display_name":"University of Tennessee at Knoxville","ror":"https://ror.org/020f3ap87","country_code":"US","type":"education","lineage":["https://openalex.org/I75027704"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Devendra Potnis","raw_affiliation_strings":["University of Tennessee at Knoxville, Knoxville, TN, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Tennessee at Knoxville, Knoxville, TN, USA","institution_ids":["https://openalex.org/I75027704"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":7.5678,"has_fulltext":false,"cited_by_count":6,"citation_normalized_percentile":{"value":0.96482523,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":90,"max":97},"biblio":{"volume":"33","issue":null,"first_page":"183","last_page":"184"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9973000288009644,"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"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9973000288009644,"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/T12786","display_name":"Innovation and Socioeconomic Development","score":0.9782000184059143,"subfield":{"id":"https://openalex.org/subfields/1403","display_name":"Business and International Management"},"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/T11365","display_name":"Islamic Finance and Banking Studies","score":0.9473000168800354,"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/unbanked","display_name":"Unbanked","score":0.9893158674240112},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.512547492980957},{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.49140465259552},{"id":"https://openalex.org/keywords/process","display_name":"Process (computing)","score":0.4297032654285431},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.3766191005706787},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.3642290532588959},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"Financial inclusion","score":0.298927903175354},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.28705334663391113}],"concepts":[{"id":"https://openalex.org/C2778430866","wikidata":"https://www.wikidata.org/wiki/Q3061848","display_name":"Unbanked","level":4,"score":0.9893158674240112},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.512547492980957},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.49140465259552},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.4297032654285431},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.3766191005706787},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.3642290532588959},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.298927903175354},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.28705334663391113},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3084381.3084425","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3084381.3084425","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2017 ACM SIGMIS Conference on Computers and People Research","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.6899999976158142,"display_name":"No poverty","id":"https://metadata.un.org/sdg/1"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":4,"referenced_works":["https://openalex.org/W1533352390","https://openalex.org/W2102819452","https://openalex.org/W2152715364","https://openalex.org/W4205959818"],"related_works":["https://openalex.org/W4391375266","https://openalex.org/W2560397588","https://openalex.org/W3143685325","https://openalex.org/W4392881385","https://openalex.org/W3173945060","https://openalex.org/W1560634490","https://openalex.org/W54511828","https://openalex.org/W2126285975","https://openalex.org/W2085006383","https://openalex.org/W2207404374"],"abstract_inverted_index":{"The":[0],"World":[1],"Bank":[2],"estimated":[3],"in":[4,93,109,124,143],"2015":[5],"that":[6,115,163],"60%":[7],"of":[8,39,42,119,157,187],"the":[9,32,36,40,60,82,90,94,155,180],"world's":[10],"poor":[11,34,61,92,123],"earning":[12],"less":[13],"than":[14],"USD2.00":[15],"a":[16,21,68,78,107,146],"day":[17],"do":[18],"not":[19],"have":[20],"bank":[22,108],"account":[23],"or":[24],"are":[25,183],"unbanked.":[26],"A":[27],"major":[28],"impediment":[29],"to":[30,58,80,121,135,153,170],"serve":[31,136],"unbanked":[33,91,122],"is":[35,77,99],"high":[37],"cost":[38],"process":[41,54,70],"distributing":[43],"small":[44,117],"loans":[45,120],"and":[46,111,145,194],"collecting":[47],"repayments":[48],"from":[49,101],"barely":[50],"literate":[51],"borrowers.":[52],"This":[53],"requires":[55],"loan":[56,158],"officers":[57],"meet":[59],"at":[62],"their":[63,172],"door":[64],"step,":[65],"making":[66,166],"it":[67],"people-intensive":[69],"requiring":[71],"frequent":[72],"face-to-face":[73],"interaction.":[74],"Real-time":[75],"decision-making":[76],"solution":[79],"address":[81],"key":[83],"challenge":[84],"experienced":[85],"by":[86,141,151,196],"banks":[87,142,169],"when":[88],"serving":[89],"developing":[95],"word.":[96],"Our":[97,160],"poster":[98],"drawn":[100],"two":[102],"case":[103],"examples:":[104],"Banco":[105],"Azteca,":[106],"Mexico,":[110,144],"Equitas":[112,152],"Holdings":[113],"Limited":[114],"makes":[116],"amounts":[118],"India.":[125],"We":[126],"focus":[127],"on":[128],"an":[129],"Azteca's":[130],"automated":[131],"decision":[132,165],"support":[133],"system":[134],"low":[137],"income":[138],"people":[139],"ignored":[140],"real-time":[147,164],"performance":[148],"dashboard":[149],"custom-built":[150],"improve":[154],"productivity":[156],"officers.":[159],"analysis":[161],"suggests":[162],"cannot":[167],"enable":[168],"scale":[171],"operations":[173],"for":[174],"achieving":[175],"significant":[176],"social":[177],"impact":[178],"unless":[179],"following":[181],"conditions":[182],"met:":[184],"process,":[185],"application":[186],"real":[188],"time":[189],"data,":[190],"user":[191],"friendly":[192],"interfaces,":[193],"leadership":[195],"top":[197],"management.":[198]},"counts_by_year":[{"year":2022,"cited_by_count":2},{"year":2019,"cited_by_count":3},{"year":2018,"cited_by_count":1}],"updated_date":"2026-07-29T14:22:42.915294","created_date":"2025-10-10T00:00:00"}