scholarly journals A Risk Assessment Mechanism for Android Apps

Author(s):  
Ha Xuan Son ◽  
Barbara Carminati ◽  
Elena Ferrari

The non performing assets (NPAs) or bad loans, as we understand generally, have always been one of the key challenges for Indian banks and financial institutions and they have been adversely affecting the sustainability of these financial service providers. While performing the basic function of extending credit in order to earn interest income, however, it is also important for these institutions to have an efficient and effective credit risk assessment mechanism in place, so that, a proper balance between profitability and sustainability is maintained. Credit scoring models are one of the most important components of credit risk assessment mechanism and banks and financial institutions of many developed countries have developed credit scoring models based on advanced technologies. On the contrary, most of the Indian banks are still dependent on the traditional way of developing credit scoring models, which might be a deterrent against ensuring safe credit policy amidst the COVID – 19 pandemic.


Author(s):  
Vadym Mukhin ◽  
Yaroslav Komaga ◽  
Valerii Zavgorodnii ◽  
Anna Zavgorodnya ◽  
Oksana Herasymenko ◽  
...  

2018 ◽  
Vol 7 (4.15) ◽  
pp. 49 ◽  
Author(s):  
Zubaile Abdullah ◽  
Madihah Mohd Saudi

Android applications may pose risks to smartphone users. Most of the current security countermeasures for detecting dangerous apps show some weaknesses. In this paper, a risk assessment method is proposed to evaluate the risk level of Android apps in terms of confidentiality (privacy), integrity (financial) and availability (system). The proposed research performs mathematical analysis of an app and returns a single easy to understand evaluation of the app’s risk level (i.e., Very Low, Low, Moderate, High, and Very High). These schemes have been tested on 2488 samples coming from Google Play and Android botnet dataset. The results show a good accuracy in both identifying the botnet apps and in terms of risk level. 


2019 ◽  
Vol 8 (3) ◽  
pp. 6563-6569

Credit, market, operational, interest rate, currency risk of credit organizations, liquidity risk, legal regulation of such risks have been analyzed in the study. A risk assessment mechanism has been developed, which includes the following steps: assessing the reliability of financial statements, assessing the value of own funds (capital) of credit organizations, analyzing the financial condition of an investor, and assessing the value of assets. The problems of analyzing banking risks at each stage have been identified. A practical implementation of the developed methodology for analyzing the bank’s risks has been carried out, which allowed the use of “adjustment schemes” by credit organizations. The most dangerous are the schemes for artificially "inflating" the capital base of credit organizations, overstating the quality of assets, and formally reducing the risks taken. The proposed methodology has been recommended to be used to improve the risk management system of credit organizations


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