Global ETD Search
Search theses and dissertations gathered from participating repositories worldwide. Every result links back to the library that holds it. No account is needed.
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Showing 1 to 20 of 101 for “"Credit card"”.
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Context-Aware Credit Card Fraud Detection
Credit card fraud has emerged as major problem in the electronic payment sector. In this thesis, we study data-driven fraud detection and address several of its intricate challenges by means of machine learning methods with the goal to identify fraudulent transactions that have been issued …
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Congressional Regulation of Credit Card Interest Rates: The Case of Credit Card Fair Fee Act of 2008
The Credit Card Fair Fee Act of 2008 was introduced as a bill in 2008 following an increased uproar from the public regarding the current system of setting fees that merchants pay for credit card transactions. Many viewed the current system as unfair, unjust, anti-competitive and secretive with the …
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Using Context for Credit Card Fraud Detection
… are often several transactions booked on the card which can be used as additional context. We show that this future context improves the performance of sequence models. Moreover, we also show that a balance between past and future context yields the best results and that using future context …
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Credit card fraud detection using incremental feature learning
Detecting credit card fraud is essential and it is one of the most popular payment methods. Credit card fraud can cause huge losses for cardholders. Therefore, so many studies have focused on proposing different standard machine learning methods and limited use of incremental learning to create a …
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Credit Card Interest Curriculum for Algebra 1 and Algebra 2
… was designed to support teachers to implement credit card interest literacy into the Algebra 1 and Algebra 2 curriculum and was created by a second career teacher from the financial field. Financial mistakes made early in life can have serious implications and could be very costly. Studies show …
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Exploring credit card behaviors of millennials in the United States
Consumer credit is not a new concept in the United States. It has evolved over time from basic installment plans, which allowed consumers to pay off their purchases incrementally, to the more complicated and increasingly prevalent credit cards in today’s society. This study investigated the credit …
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Consumer Search And Switching Behavior: Evidence From The Credit Card Industry
<p>The introduction of the credit card in the mid-twentieth century revolutionized and transformed how people live. Based on a set of new survey data, this dissertation empirically investigates and analyzes consumers' behavior in the credit card market. Specifically, it investigates the underlying …
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Modelling highly imbalanced credit card fraud detection data using statistical learning
Credit card fraud is a major concern for businesses worldwide, yielding losses of up to $67 billion per year in major banks and institutions. Machine learning techniques used to detect fraudulent transactions face several challenges when dealing with highly imbalanced data, which is often the case …
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Private information and price regulation In the US credit card market
… of such re-pricing restrictions, the 2009 Credit CARD Act, to ask how such restrictions affect credit market efficiency. Using a near-universe of US consumer credit card account data as well as a large random sample of US consumer credit reports, I show evidence that the Act's restrictions …
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An Examination of the Credit Card Payment Practices of College Students
… this means owning and managing their first credit cards. Colleges and universities frequently allow credit card vendors to solicit on campus. This practice is subject to criticism by the popular media, which reports horror stories of college students falling victim to great credit card debt. …
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Credit card fraud detection using machine learning with integration of contextual knowledge
… and fraudulent behavior of merchants and card holders according to two univariate characteristics: the date and the amount of transactions. In addition, attributes based on HMMs are created in a supervised manner, thereby reducing the need for expert knowledge for the creation of the fraud …
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Measurement of the Credit Card Augmented Monetary Service Flows in the Economy
… cannot be added to liabilities, for example, credit card balances, which are liabilities to consumers. However, from an innovative perspective proposed by Professor William A. Barnett, we perceive credit cards as transaction service providers, along with monetary assets, such as currency and …
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Marketing strategy and new product development in the UK credit card industry
… respect to financial services and specifically, credit card financial services. The empirical investigation utilises both a case study and a survey approach, to examine aspects of new service product development industry practice relating specifically to gaps and deficiencies in the literature …
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RESONANT: Reinforcement Learning Based Moving Target Defense for Detecting Credit Card Fraud
According to security.org, as of 2023, 65% of credit card (CC) users in the US have been subjected to fraud at some point in their lives, which equates to about 151 million Americans. The proliferation of advanced machine learning (ML) algorithms has also contributed to detecting credit card fraud …
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Cost benefit analysis of the Visa credit card at the Naval Postgraduate School.
… the cost effectiveness of the government-wide credit card within the Naval PostGraduate Procurement Department. The intent of the study is to review current management policies relating to the credit card program, analyze the small procurement process and make recommendation on the usage of …
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The Welfare Implication of Lifting the No Surcharge Rule in Credit Card Markets
… of banning the no surcharge rule (NSR) in credit card markets. Nowadays, Visa and MasterCard have been facing antitrust and regulatory investigations all over the world. They are charged for certain business practices that may adversely affect competition. Among all the business practices, …
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