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المؤلفHassija, Vikas
المؤلفBansal, Gaurang
المؤلفChamola, Vinay
المؤلفKumar, Neeraj
المؤلفGuizani, Mohsen
تاريخ الإتاحة2022-11-27T09:12:20Z
تاريخ النشر2020-10-01
اسم المنشورIEEE Transactions on Network Science and Engineering
المعرّفhttp://dx.doi.org/10.1109/TNSE.2020.2982488
الاقتباسHassija, V., Bansal, G., Chamola, V., Kumar, N., & Guizani, M. (2020). Secure lending: Blockchain and prospect theory-based decentralized credit scoring model. IEEE Transactions on Network Science and Engineering, 7(4), 2566-2575.‏
معرّف المصادر الموحدhttps://www.scopus.com/inward/record.uri?partnerID=HzOxMe3b&scp=85082069267&origin=inward
معرّف المصادر الموحدhttp://hdl.handle.net/10576/36722
الملخصCredit scoring is a rigorous statistical analysis carried out by lenders and other third parties to access an individual's creditworthiness. Lenders use credit scoring to estimate the degree of risk in lending money to an individual. However, credit score evaluation is primarily based on a transaction record, payment history, professional background, etc. sourced from different credit bureaus. So, evaluating a credit score is a laborious and tedious task involving a lot of paperwork. In this paper, we propose how blockchain can provide the solution to decentralized credit scoring evaluation and reducing the amount of dependence of paperwork. Lending money is not always objective but subjective to every lender. The decision of lending involves different levels of risk and uncertainty, depending on their perspective. This paper uses the prospect theory to model the optimal investment strategy for different risk vs. return scenarios.
اللغةen
الناشرIEEE Computer Society
الموضوعbehavioural economics
Blockchain
credit score
fin-tech.
prospect theory
security
العنوانSecure Lending: Blockchain and Prospect Theory-Based Decentralized Credit Scoring Model
النوعArticle
الصفحات2566-2575
رقم العدد4
رقم المجلد7
dc.accessType Abstract Only


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