he Concept of the Personal Credit Information in the Credit Information Act of 2020 - From the perspective of the Insurance of Korea -

2021 ◽  
Vol 126 ◽  
pp. 31-68
Author(s):  
Ki-yeol Yoon
Keyword(s):  
Personal Credit

scholarly journals Neural mechanisms of credit card spending

2021 ◽  
Vol 11 (1) ◽  
Author(s):  
Sachin Banker ◽  
Derek Dunfield ◽  
Alex Huang ◽  
Drazen Prelec
Keyword(s):  
Credit Card ◽  
Credit Cards ◽  
Purchase Behavior ◽  
Facilitation Effect ◽  
Product Price ◽  
Personal Credit ◽  
Psychological Mechanisms ◽  
Network Activation ◽  
Payment Instruments ◽  
Reward Network

AbstractCredit cards have often been blamed for consumer overspending and for the growth in household debt. Indeed, laboratory studies of purchase behavior have shown that credit cards can facilitate spending in ways that are difficult to justify on purely financial grounds. However, the psychological mechanisms behind this spending facilitation effect remain conjectural. A leading hypothesis is that credit cards reduce the pain of payment and so ‘release the brakes’ that hold expenditures in check. Alternatively, credit cards could provide a ‘step on the gas,’ increasing motivation to spend. Here we present the first evidence of differences in brain activation in the presence of real credit and cash purchase opportunities. In an fMRI shopping task, participants purchased items tailored to their interests, either by using a personal credit card or their own cash. Credit card purchases were associated with strong activation in the striatum, which coincided with onset of the credit card cue and was not related to product price. In contrast, reward network activation weakly predicted cash purchases, and only among relatively cheaper items. The presence of reward network activation differences highlights the potential neural impact of novel payment instruments in stimulating spending—these fundamental reward mechanisms could be exploited by new payment methods as we transition to a purely cashless society.

Credit Risk Management for College Students: An Analysis of Influencing Factors Based on 5C Approach

2021 ◽  
Vol 12 (1) ◽  
pp. 105-105
Author(s):  
Xiang Zou ◽  
Jinting Zhao ◽  
Yun Tong
Keyword(s):  
College Students ◽  
Risk Management ◽  
Credit Risk ◽  
Evaluation System ◽  
Least Squares Method ◽  
Credit Risk Management ◽  
Credit Evaluation ◽  
Personal Credit ◽  
Depth Analysis ◽  
Credit Evaluation System

This paper focuses on the construction of college students' credit evaluation system and credit risk management under the background of big data. Firstly, based on the 5C approach, this paper evaluates the personal credit of college students from 5 dimensions and 24 indicators, which finally contribute to the establishment of the credit evaluation system for college students. Then, the partial least squares method is used to build the structural equation model to evaluate the effectiveness of the credit evaluation system for college students. According to the in-depth analysis of PSL-SEM, the factors that affect the credit risk of college students are effectively evaluated, and it has contributed to the establishment and improvement of the credit system of college students. Keywords: Personal Credit, Credit Evaluation, Credit Risk, 5C Approach, PLS-SEM.

scholarly journals A Survey: Data Leakage Detection Techniques

2018 ◽  
Vol 8 (4) ◽  
pp. 2247
Author(s):  
K. S. Wagh
Keyword(s):  
Credit Card ◽  
Information Leakage ◽  
Leakage Detection ◽  
Sensitive Data ◽  
Detection Techniques ◽  
Personal Credit ◽  
Customer Information ◽  
Other Information ◽  
Effective System ◽  
Credit Card Data

Data is an important property of various organizations and it is intellectual property of organization. Every organization includes sensitive data as customer information, financial data, data of patient, personal credit card data and other information based on the kinds of management, institute or industry. For the areas like this, leakage of information is the crucial problem that the organization has to face, that poses high cost if information leakage is done. All the more definitely, information leakage is characterize as the intentional exposure of individual or any sort of information to unapproved outsiders. When the important information is goes to unapproved hands or moves towards unauthorized destination. This will prompts the direct and indirect loss of particular industry in terms of cost and time. The information leakage is outcomes in vulnerability or its modification. So information can be protected by the outsider leakages. To solve this issue there must be an efficient and effective system to avoid and protect authorized information. From not so long many methods have been implemented to solve same type of problems that are analyzed here in this survey.  This paper analyzes little latest techniques and proposed novel Sampling algorithm based data leakage detection techniques.

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