Advanced search
Publication Cover
Journal of the Operational Research Society Volume 70, 2019 - Issue 3
Submit an article Journal homepage
980
Views
28
CrossRef citations to date
0
Altmetric
Original Articles

What does your Facebook profile reveal about your creditworthiness? Using alternative data for microfinance

Sofie De CnuddeDepartment of Engineering Management, University of Antwerp, Antwerp, Belgium.Correspondence[email protected]
,
Julie MoeyersomsDepartment of Engineering Management, University of Antwerp, Antwerp, Belgium.
,
Marija StankovaDepartment of Engineering Management, University of Antwerp, Antwerp, Belgium.
,
Ellen TobbackDepartment of Engineering Management, University of Antwerp, Antwerp, Belgium.
,
Vinayak JavalyLenddoEFL, Singapore, Singapore.
&
David MartensDepartment of Engineering Management, University of Antwerp, Antwerp, Belgium.
Pages 353-363 | Received 23 May 2016, Accepted 15 Jan 2018, Published online: 25 Apr 2018

Citations (28)

Keep up to date with the latest research on this topic with citation updates for this article.

Subscribe to citation updates

Read on this site (5)

Tomasz Szopiński. (2023) Holding accounts in several banks - a conscious or reckless consumer?. Economic Research-Ekonomska Istraživanja 36:2.
Read now
A. Svetlošák, M. de Carvalho & R. Calabrese. (2023) Subject-to-group statistical comparison for open banking-type data. Journal of the Operational Research Society 74:3, pages 703-718.
Read now
Josep Maria Raya. (2022) Can Social Capital Variables Help to Determine Loan to Value Approved by Banks?. Journal of Real Estate Research 44:3, pages 355-376.
Read now
Christian Colot, Philippe Baecke & Isabelle Linden. (2021) Alternatives for Telco Data Network: The Value of Spatial and Referral Networks for Churn Detection. Information Systems Management 38:3, pages 218-236.
Read now
Marie Langevin. (2019) Big data for (not so) small loans: technological infrastructures and the massification of fringe finance. Review of International Political Economy 26:5, pages 790-814.
Read now

Articles from other publishers (23)

Sherly Alfonso-Sánchez, Jesús Solano, Alejandro Correa-Bahnsen, Kristina P. Sendova & Cristián Bravo. (2024) Optimizing credit limit adjustments under adversarial goals using reinforcement learning. European Journal of Operational Research 315:2, pages 802-817.
Crossref
Bart Baesens & Kristien Smedts. (2023) Boosting credit risk models. The British Accounting Review, pages 101241.
Crossref
Xin Chen & Wenli Li. (2023) How social activities affect corporate credit behavior? – the mediating role of network centrality. Industrial Management & Data Systems 123:7, pages 1936-1960.
Crossref
Ricardo Muñoz-Cancino, Cristián Bravo, Sebastián A. Ríos & Manuel Graña. (2023) On the dynamics of credit history and social interaction features, and their impact on creditworthiness assessment performance. Expert Systems with Applications 218, pages 119599.
Crossref
Akanksha Goel & Shailesh Rastogi. (2021) Understanding the impact of borrowers' behavioural and psychological traits on credit default: review and conceptual model. Review of Behavioral Finance 15:2, pages 205-223.
Crossref
Yiming Wu, Zhiyuan Xie, Shouling Ji, Zhenguang Liu, Xuhong Zhang, Changting Lin, Shuiguang Deng, Jun Zhou, Ting Wang & Raheem Beyah. (2023) Fraud-Agents Detection in Online Microfinance: A Large-Scale Empirical Study. IEEE Transactions on Dependable and Secure Computing 20:2, pages 1169-1185.
Crossref
Ricardo Muñoz-Cancino, Cristián Bravo, Sebastián A. Ríos & Manuel Graña. (2023) On the combination of graph data for assessing thin-file borrowers’ creditworthiness. Expert Systems with Applications 213, pages 118809.
Crossref
Akanksha Goel & Shailesh Rastogi. (2021) Credit scoring of small and medium enterprises: a behavioural approach. Journal of Entrepreneurship in Emerging Economies 15:1, pages 46-69.
Crossref
Shubhangi Rathi, Jai Prakash Verma, Rachna Jain, Anand Nayyar & Narina Thakur. (2022) Psychometric profiling of individuals using Twitter profiles: A psychological Natural Language Processing based approach. Concurrency and Computation: Practice and Experience 34:19.
Crossref
Meiling Xu, Boping Tian & Yongqiang Fu. (2022) Default prediction of online credit loans based on mobile application usage behaviors. Journal of Intelligent & Fuzzy Systems 43:3, pages 2253-2264.
Crossref
Travis Greene, David Martens & Galit Shmueli. (2022) Barriers to academic data science research in the new realm of algorithmic behaviour modification by digital platforms. Nature Machine Intelligence 4:4, pages 323-330.
Crossref
Trevor Maynard, Luca Baldassarre, Yves-Alexandre de Montjoye, Liz McFall & María Óskarsdóttir. (2022) AI: Coming of age?. Annals of Actuarial Science 16:1, pages 1-5.
Crossref
Diego M.B. Silva, Gustavo H.A. Pereira & Tiago M. Magalhães. (2022) A class of categorization methods for credit scoring models. European Journal of Operational Research 296:1, pages 323-331.
Crossref
Gero Szepannek & Karsten Lübke. (2021) Facing the Challenges of Developing Fair Risk Scoring Models. Frontiers in Artificial Intelligence 4.
Crossref
Rebecca Njuguna & Karen Sowon. (2021) Poster: A Scoping Review of Alternative Credit Scoring Literature. Poster: A Scoping Review of Alternative Credit Scoring Literature.
Viani B. Djeundje, Jonathan Crook, Raffaella Calabrese & Mona Hamid. (2021) Enhancing credit scoring with alternative data. Expert Systems with Applications 163, pages 113766.
Crossref
Yanou Ramon, David Martens, Foster Provost & Theodoros Evgeniou. (2020) A comparison of instance-level counterfactual explanation algorithms for behavioral and textual data: SEDC, LIME-C and SHAP-C. Advances in Data Analysis and Classification 14:4, pages 801-819.
Crossref
Septian Gilang Permana Putra, Bikash Joshi, Judith Redi & Alessandro Bozzon. 2020. Web Engineering. Web Engineering 113 129 .
Beibei Niu, Jinzheng Ren & Xiaotao Li. (2019) Credit Scoring Using Machine Learning by Combing Social Network Information: Evidence from Peer-to-Peer Lending. Information 10:12, pages 397.
Crossref
María Óskarsdóttir, Cristián Bravo, Carlos Sarraute, Jan Vanthienen & Bart Baesens. (2019) The value of big data for credit scoring: Enhancing financial inclusion using mobile phone data and social network analytics. Applied Soft Computing 74, pages 26-39.
Crossref
Ricardo Muñoz-Cancino, Cristián Bravo, Sebastián A. Ríos & Manuel Graña. (2022) On the Dynamics of Credit History and Social Interaction Features, and Their Impact on Creditworthiness Assessment Performance. SSRN Electronic Journal.
Crossref
Travis Greene, David Martens & Galit Shmueli. (2021) Barriers for Academic Data Science Research in the New Realm of Behavior Modification by Digital Platforms. SSRN Electronic Journal.
Crossref
Jung Youn Lee, Joonhyuk Yang & Eric Anderson. (2021) Buying and Payment Habits: Using Grocery Data to Predict Credit Card Payments. SSRN Electronic Journal.
Crossref

Reprints and Corporate Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

To request a reprint or corporate permissions for this article, please click on the relevant link below:

Order Reprints Request Corporate Permissions

Academic Permissions

Please note: Selecting permissions does not provide access to the full text of the article, please see our help page How do I view content?

Obtain permissions instantly via Rightslink by clicking on the button below:

Request Academic Permissions

If you are unable to obtain permissions via Rightslink, please complete and submit this Permissions form. For more information, please visit our Permissions help page.

Related research

People also read lists articles that other readers of this article have read.

Recommended articles lists articles that we recommend and is powered by our AI driven recommendation engine.

Cited by lists all citing articles based on Crossref citations.
Articles with the Crossref icon will open in a new tab.