{"id":"https://openalex.org/W4412765345","doi":"https://doi.org/10.1186/s40537-025-01252-0","title":"Towards a smart debt collection system: a Design Science Research approach","display_name":"Towards a smart debt collection system: a Design Science Research approach","publication_year":2025,"publication_date":"2025-07-30","ids":{"openalex":"https://openalex.org/W4412765345","doi":"https://doi.org/10.1186/s40537-025-01252-0"},"language":"en","primary_location":{"id":"doi:10.1186/s40537-025-01252-0","is_oa":true,"landing_page_url":"https://doi.org/10.1186/s40537-025-01252-0","pdf_url":"https://journalofbigdata.springeropen.com/counter/pdf/10.1186/s40537-025-01252-0","source":{"id":"https://openalex.org/S2737955091","display_name":"Journal Of Big Data","issn_l":"2196-1115","issn":["2196-1115"],"is_oa":true,"is_in_doaj":true,"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":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Big Data","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://journalofbigdata.springeropen.com/counter/pdf/10.1186/s40537-025-01252-0","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5075961810","display_name":"Micha\u0142 R. Przyby\u0142ek","orcid":"https://orcid.org/0000-0003-2349-865X"},"institutions":[{"id":"https://openalex.org/I3017851245","display_name":"Polish-Japanese Academy of Information Technology","ror":"https://ror.org/01v542j61","country_code":"PL","type":"education","lineage":["https://openalex.org/I3017851245"]}],"countries":["PL"],"is_corresponding":true,"raw_author_name":"Micha\u0142 Przyby\u0142ek","raw_affiliation_strings":["Faculty of Computer Science, Polish-Japanese Academy of Information Technology, Koszykowa 86, 02-008, Warsaw, Poland"],"affiliations":[{"raw_affiliation_string":"Faculty of Computer Science, Polish-Japanese Academy of Information Technology, Koszykowa 86, 02-008, Warsaw, Poland","institution_ids":["https://openalex.org/I3017851245"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5074489788","display_name":"Adam Przyby\u0142ek","orcid":"https://orcid.org/0000-0002-8231-709X"},"institutions":[{"id":"https://openalex.org/I169333911","display_name":"Gda\u0144sk University of Technology","ror":"https://ror.org/006x4sc24","country_code":"PL","type":"education","lineage":["https://openalex.org/I169333911"]}],"countries":["PL"],"is_corresponding":true,"raw_author_name":"Adam Przyby\u0142ek","raw_affiliation_strings":["Department of Software Engineering, Gda\u0144sk University of Technology, Gabriela Narutowicza 11/12, 80-233, Gda\u0144sk, Poland"],"affiliations":[{"raw_affiliation_string":"Department of Software Engineering, Gda\u0144sk University of Technology, Gabriela Narutowicza 11/12, 80-233, Gda\u0144sk, Poland","institution_ids":["https://openalex.org/I169333911"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5091895126","display_name":"Konrad Wojciechowski","orcid":"https://orcid.org/0000-0003-4679-2667"},"institutions":[{"id":"https://openalex.org/I3017851245","display_name":"Polish-Japanese Academy of Information Technology","ror":"https://ror.org/01v542j61","country_code":"PL","type":"education","lineage":["https://openalex.org/I3017851245"]}],"countries":["PL"],"is_corresponding":false,"raw_author_name":"Konrad Wojciechowski","raw_affiliation_strings":["Faculty of Computer Science, Polish-Japanese Academy of Information Technology, Koszykowa 86, 02-008, Warsaw, Poland"],"affiliations":[{"raw_affiliation_string":"Faculty of Computer Science, Polish-Japanese Academy of Information Technology, Koszykowa 86, 02-008, Warsaw, Poland","institution_ids":["https://openalex.org/I3017851245"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5051425458","display_name":"Illia Shkroba","orcid":"https://orcid.org/0000-0001-7818-1305"},"institutions":[{"id":"https://openalex.org/I3017851245","display_name":"Polish-Japanese Academy of Information Technology","ror":"https://ror.org/01v542j61","country_code":"PL","type":"education","lineage":["https://openalex.org/I3017851245"]}],"countries":["PL"],"is_corresponding":false,"raw_author_name":"Illia Shkroba","raw_affiliation_strings":["Faculty of Computer Science, Polish-Japanese Academy of Information Technology, Koszykowa 86, 02-008, Warsaw, Poland"],"affiliations":[{"raw_affiliation_string":"Faculty of Computer Science, Polish-Japanese Academy of Information Technology, Koszykowa 86, 02-008, Warsaw, Poland","institution_ids":["https://openalex.org/I3017851245"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":4,"corresponding_author_ids":["https://openalex.org/A5074489788","https://openalex.org/A5075961810"],"corresponding_institution_ids":["https://openalex.org/I169333911","https://openalex.org/I3017851245"],"apc_list":{"value":1060,"currency":"GBP","value_usd":1300},"apc_paid":{"value":1060,"currency":"GBP","value_usd":1300},"fwci":2.4373,"has_fulltext":true,"cited_by_count":1,"citation_normalized_percentile":{"value":0.90519717,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":91,"max":95},"biblio":{"volume":"12","issue":"1","first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9861000180244446,"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":0.9861000180244446,"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/T10270","display_name":"Blockchain Technology Applications and Security","score":0.9763000011444092,"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/T11437","display_name":"Digital Platforms and Economics","score":0.9592999815940857,"subfield":{"id":"https://openalex.org/subfields/1408","display_name":"Strategy and 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"}}],"keywords":[{"id":"https://openalex.org/keywords/computational-science-and-engineering","display_name":"Computational Science and Engineering","score":0.7695292830467224},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.7310264706611633},{"id":"https://openalex.org/keywords/design-science-research","display_name":"Design science research","score":0.6700185537338257},{"id":"https://openalex.org/keywords/data-science","display_name":"Data science","score":0.43186941742897034},{"id":"https://openalex.org/keywords/design-science","display_name":"Design science","score":0.42946162819862366},{"id":"https://openalex.org/keywords/software-engineering","display_name":"Software engineering","score":0.2759595513343811},{"id":"https://openalex.org/keywords/knowledge-management","display_name":"Knowledge management","score":0.2381654977798462},{"id":"https://openalex.org/keywords/information-system","display_name":"Information system","score":0.20915749669075012},{"id":"https://openalex.org/keywords/engineering","display_name":"Engineering","score":0.08120054006576538}],"concepts":[{"id":"https://openalex.org/C68597687","wikidata":"https://www.wikidata.org/wiki/Q362601","display_name":"Computational Science and Engineering","level":2,"score":0.7695292830467224},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.7310264706611633},{"id":"https://openalex.org/C2777655877","wikidata":"https://www.wikidata.org/wiki/Q3475740","display_name":"Design science research","level":3,"score":0.6700185537338257},{"id":"https://openalex.org/C2522767166","wikidata":"https://www.wikidata.org/wiki/Q2374463","display_name":"Data science","level":1,"score":0.43186941742897034},{"id":"https://openalex.org/C2780103759","wikidata":"https://www.wikidata.org/wiki/Q5264375","display_name":"Design science","level":2,"score":0.42946162819862366},{"id":"https://openalex.org/C115903868","wikidata":"https://www.wikidata.org/wiki/Q80993","display_name":"Software engineering","level":1,"score":0.2759595513343811},{"id":"https://openalex.org/C56739046","wikidata":"https://www.wikidata.org/wiki/Q192060","display_name":"Knowledge management","level":1,"score":0.2381654977798462},{"id":"https://openalex.org/C180198813","wikidata":"https://www.wikidata.org/wiki/Q121182","display_name":"Information system","level":2,"score":0.20915749669075012},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.08120054006576538},{"id":"https://openalex.org/C119599485","wikidata":"https://www.wikidata.org/wiki/Q43035","display_name":"Electrical engineering","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1186/s40537-025-01252-0","is_oa":true,"landing_page_url":"https://doi.org/10.1186/s40537-025-01252-0","pdf_url":"https://journalofbigdata.springeropen.com/counter/pdf/10.1186/s40537-025-01252-0","source":{"id":"https://openalex.org/S2737955091","display_name":"Journal Of Big Data","issn_l":"2196-1115","issn":["2196-1115"],"is_oa":true,"is_in_doaj":true,"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":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Big Data","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:71544295834847de872b5d8ffa160b5f","is_oa":true,"landing_page_url":"https://doaj.org/article/71544295834847de872b5d8ffa160b5f","pdf_url":null,"source":{"id":"https://openalex.org/S112646816","display_name":"SHILAP Revista de lepidopterolog\u00eda","issn_l":"0300-5267","issn":["0300-5267","2340-4078"],"is_oa":true,"is_in_doaj":true,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Journal of Big Data, Vol 12, Iss 1, Pp 1-31 (2025)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.1186/s40537-025-01252-0","is_oa":true,"landing_page_url":"https://doi.org/10.1186/s40537-025-01252-0","pdf_url":"https://journalofbigdata.springeropen.com/counter/pdf/10.1186/s40537-025-01252-0","source":{"id":"https://openalex.org/S2737955091","display_name":"Journal Of Big Data","issn_l":"2196-1115","issn":["2196-1115"],"is_oa":true,"is_in_doaj":true,"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":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Big Data","raw_type":"journal-article"},"sustainable_development_goals":[{"score":0.5199999809265137,"id":"https://metadata.un.org/sdg/9","display_name":"Industry, innovation and infrastructure"}],"awards":[],"funders":[],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4412765345.pdf","grobid_xml":"https://content.openalex.org/works/W4412765345.grobid-xml"},"referenced_works_count":60,"referenced_works":["https://openalex.org/W124349154","https://openalex.org/W1276866904","https://openalex.org/W1498432697","https://openalex.org/W1541456620","https://openalex.org/W1966157067","https://openalex.org/W1975223671","https://openalex.org/W1978942630","https://openalex.org/W1982640125","https://openalex.org/W1983749049","https://openalex.org/W1997477668","https://openalex.org/W2005684815","https://openalex.org/W2010558546","https://openalex.org/W2059470663","https://openalex.org/W2061372038","https://openalex.org/W2067911129","https://openalex.org/W2111492941","https://openalex.org/W2114676753","https://openalex.org/W2123651102","https://openalex.org/W2131660762","https://openalex.org/W2136922540","https://openalex.org/W2145339207","https://openalex.org/W2150468603","https://openalex.org/W2151461605","https://openalex.org/W2155595614","https://openalex.org/W2158342889","https://openalex.org/W2293851566","https://openalex.org/W2497090499","https://openalex.org/W2508040796","https://openalex.org/W2746553466","https://openalex.org/W2761873684","https://openalex.org/W2804135365","https://openalex.org/W2954105557","https://openalex.org/W2963411833","https://openalex.org/W2966021491","https://openalex.org/W2986925238","https://openalex.org/W3001911567","https://openalex.org/W3100366369","https://openalex.org/W3127555252","https://openalex.org/W3129453017","https://openalex.org/W3148740559","https://openalex.org/W3151685851","https://openalex.org/W3189076095","https://openalex.org/W3191406794","https://openalex.org/W4211221179","https://openalex.org/W4214717370","https://openalex.org/W4214924352","https://openalex.org/W4241191671","https://openalex.org/W4280514076","https://openalex.org/W4298023569","https://openalex.org/W4298137360","https://openalex.org/W4312671790","https://openalex.org/W4385568106","https://openalex.org/W4385958576","https://openalex.org/W4389492755","https://openalex.org/W4389523952","https://openalex.org/W4391955333","https://openalex.org/W4401106290","https://openalex.org/W4409082427","https://openalex.org/W4411956479","https://openalex.org/W6677916085"],"related_works":["https://openalex.org/W1871752062","https://openalex.org/W2075192667","https://openalex.org/W1600624913","https://openalex.org/W1532300745","https://openalex.org/W3210160841","https://openalex.org/W1495812394","https://openalex.org/W1782171664","https://openalex.org/W2617380502","https://openalex.org/W1480666756","https://openalex.org/W1509246047"],"abstract_inverted_index":{"While":[0],"manual,":[1],"expert-based":[2],"approaches":[3],"to":[4,109,172,213,230,241],"debt":[5,68,115,192,220],"collection":[6,69,221,224],"have":[7],"long":[8],"dominated":[9],"the":[10,12,22,31,64,92,119,149,189,211,215,238],"industry,":[11],"growing":[13],"complexity":[14],"and":[15,57,78,139,186,200,217],"volume":[16],"of":[17,33,66,166,191,204],"data\u2014resulting":[18],"in":[19,161,169,188,207],"information":[20],"overload\u2014highlight":[21],"need":[23],"for":[24,157],"machine-learning":[25],"solutions.":[26],"This":[27,144,180],"paper":[28],"reports":[29],"on":[30,74,177],"development":[32],"a":[34,41,53,97,124,154],"Smart":[35],"Debt":[36,223],"Collection":[37],"System":[38],"(SDCS)":[39],"through":[40],"Design":[42],"Science":[43],"Research":[44],"(DSR)":[45],"approach,":[46],"involving":[47],"iterative":[48],"design,":[49],"field":[50,190],"testing":[51],"with":[52],"major":[54],"financial":[55],"institution,":[56],"feedback":[58],"from":[59],"stakeholders.":[60],"Our":[61,85],"research":[62,120],"addresses":[63],"limitations":[65],"existing":[67],"software,":[70],"which":[71],"primarily":[72],"focuses":[73],"data":[75],"gathering,":[76],"administration,":[77],"reporting,":[79],"but":[80,105,151],"lacks":[81],"automated":[82],"decision-making":[83,103,160,243],"capabilities.":[84],"work":[86],"makes":[87],"two":[88],"significant":[89],"contributions.":[90],"On":[91,118],"practical":[93],"side,":[94,121],"it":[95,122],"introduces":[96],"system":[98,126,229],"that":[99],"not":[100,146],"only":[101,147],"automates":[102],"processes":[104],"also":[106,152],"dynamically":[107],"adapts":[108],"debtor":[110],"behavior,":[111],"enabling":[112],"more":[113],"effective":[114],"recovery":[116],"strategies.":[117],"proposes":[123],"novel":[125],"architecture":[127,145],"integrating":[128],"three":[129],"key":[130],"components:":[131],"factorization":[132],"(Markov":[133],"process),":[134],"optimization":[135],"(deep":[136],"neural":[137],"network),":[138],"process":[140],"specification":[141],"(domain-specific":[142],"language).":[143],"underpins":[148],"SDCS":[150,167],"provides":[153],"reusable":[155],"framework":[156],"automating":[158],"complex":[159],"other":[162],"domains.":[163],"The":[164,202],"innovation":[165],"lies":[168],"its":[170],"ability":[171],"automate":[173,231],"decisions":[174],"previously":[175],"reliant":[176],"human":[178],"expertise.":[179],"shift":[181],"opens":[182],"up":[183],"new":[184],"perspectives":[185],"possibilities":[187],"collection,":[193],"such":[194],"as":[195],"increased":[196],"efficiency,":[197],"improved":[198],"accuracy,":[199],"scalability.":[201],"application":[203],"AI":[205],"algorithms":[206],"this":[208],"context":[209],"has":[210],"potential":[212],"revolutionize":[214],"industry":[216],"enhance":[218],"overall":[219],"practices.":[222],"agencies":[225],"can":[226],"adopt":[227],"our":[228],"their":[232],"processes,":[233],"while":[234],"researchers":[235],"may":[236],"apply":[237],"underlying":[239],"approach":[240],"broader":[242],"challenges.":[244]},"counts_by_year":[{"year":2025,"cited_by_count":1}],"updated_date":"2026-03-18T14:38:29.013473","created_date":"2025-10-10T00:00:00"}