A study on default prediction of Chinese online lending: based on the analysis of mobile phone usage data

Ouyang, Hao; Zhi, Yong; Wu, Boyuan

doi:10.1080/13504851.2020.1770679

Cited by 4 publications

(3 citation statements)

References 9 publications

Supporting

Mentioning

Contrasting

Order By: Relevance

“…In the area of health, the topic was discussed, among others, by: S. Surendran et al [62], J. Li et al [63] and H. Zhang et al [64]. In the field of economics, the importance and possibilities of using mobile applications were examined by H. Ouyang et al [65], A. Ngubelanga [66], H. Karjaluoto [67] and many others. Mobile applications are also used in the area of environmental protection, as mentioned in the studies by A. Quandt et al [68] and Y. Zhang et al [69].…”

Section: Discussionmentioning

confidence: 99%

The Role of Eco-Apps in Encouraging Pro-Environmental Behavior of Young People Studying in Poland

2021

View full text Add to dashboard Cite

Nowadays, protection of the natural environment is the fundamental duty and challenge of humanity. Adverse environmental changes make it necessary to encourage behaviors that will reduce our negative impact. Due to the development of media, information reaches consumers through various channels. New media, including mobile applications, are becoming increasingly popular. Their potential impact on young consumers cannot be overestimated as young people are able to modify their attitudes, behaviors and habits more easily than older ones. The main aim of this study was to recognize the use of eco-applications as a new source of information in the field of pro-environmental behavior of young people studying in Poland. The research objectives included the identification of pro-environmental behaviors most often declared by students, verifying their recognition and use of eco-applications, and determining the features of eco-app design expected by young users. The study involved the methods of desk research, in-depth interview and computer-assisted web interviewing (CAWI). The empirical material obtained from 772 students representing Generation Z underwent quantitative and qualitative analysis, which allowed for the verification the proposed hypotheses. The respondents most often declared pro-environmental behavior in the household context. As regards eco-apps, the respondents were most likely to recognize applications promoted via traditional media. The main feature expected of eco-app design was ease of use, which does not mean that users expected the app to be in Polish, as this criterion was relatively low rated. The Mann-Whitney test and the Kruskal-Wallis test revealed relationships between such variables as gender, place of residence or income and pro-environmental behavior, the use of selected eco-apps and the expected features of eco-app design.

show abstract

Section: Discussionmentioning

confidence: 99%

The Role of Eco-Apps in Encouraging Pro-Environmental Behavior of Young People Studying in Poland

2021

View full text Add to dashboard Cite

show abstract

“…In addition, one set of studies aims to predict mobile phone sales (Nasiri and Shokouhyar, 2021;Ouyang et al, 2021) and the 'usefulness' of online consumer reviews (Singh et al, 2017) via online reviews. Towards review helpfulness, a linear regression model of determining features has been formulated by Mudambi and Schuff (2010), which was replicated by Huang and Yen (2013) and only achieved 15% explanatory power.…”

Section: Online Review Analysis Methodsmentioning

confidence: 99%

“…In addition, one set of studies aims to predict mobile phone sales (Nasiri and Shokouhyar, 2021; Ouyang et al. , 2021) and the ‘usefulness' of online consumer reviews (Singh et al.…”

Section: Literature Reviewmentioning

confidence: 99%

Predictions on usefulness and popularity of online reviews: evidence from mobile phones for older adults

Shou

Bao²,

Yu³

2022

ITP

View full text Add to dashboard Cite

PurposeOnline reviews are regarded as a source of information for decision-making because of the abundance and ready availability of information. Whereas, the sheer volume of online reviews makes it hard for consumers, especially the older adults who perceive more difficulties in reading reviews and obtaining information compared to younger adults, to locate the useful ones. The main objective of this study is to propose an effective method to locate valuable reviews of mobile phones for older adults. Besides, the authors also want to explore what characteristics of the technology older adults prefer. This will benefit both e-retailers and e-commerce platforms.Design/methodology/approachAfter collecting online reviews related to mobile phones designed for older adults from a popular Chinese e-commerce platform (JD Mall), topic modeling, term frequency-inverse document frequency (TF-IDF), and linguistic inquiry and word count (LIWC) methods were applied to extract latent topics and uncover potential dimensions that consumers frequently referred to in their reviews. According to consumers' attitudes towards different popular topics, seven machine learning models were employed to predict the usefulness and popularity of online reviews due to their excellent performance in prediction. To improve the performance, a weighted model based on the two best-performing models was built and evaluated.FindingsBased on the TF-IDF, topic modeling, and LIWC methods, the authors find that older adults are more interested in the exterior, sound, and communication functions of mobile phones. Besides, the weighted model (Random Forest: Decision Tree = 2:1) is the best model for predicting the online review popularity, while random forest performs best in predicting the perceived usefulness of online reviews.Practical implicationsThis study’s findings can help e-commerce platforms and merchants identify the needs of the targeted consumers, predict reviews that will get more attention, and provide some early responses to some questions.Originality/valueThe results propose that older adults pay more attention to the mobile phones' exterior, sound, and communication function, guiding future research. Besides, this paper also enriches the current studies related to making predictions based on the information contained in the online reviews.

show abstract

What should lenders be more concerned about? Developing a profit-driven loan default prediction model

Zhang

Wang

Liu

2023

Expert Systems with Applications

View full text Add to dashboard Cite

A study on default prediction of Chinese online lending: based on the analysis of mobile phone usage data

Cited by 4 publications

References 9 publications

The Role of Eco-Apps in Encouraging Pro-Environmental Behavior of Young People Studying in Poland

The Role of Eco-Apps in Encouraging Pro-Environmental Behavior of Young People Studying in Poland

Predictions on usefulness and popularity of online reviews: evidence from mobile phones for older adults

What should lenders be more concerned about? Developing a profit-driven loan default prediction model

Contact Info

Product

Resources

About