NDLI: Credit risk management system on e-Commerce: case based reasoning approach

Content Provider	ACM Digital Library
Author	Nakasumi, Mitsuaki
Abstract	This paper addresses the cost imposed on the e-Commerce market when retailer and customer possess an information advantage over credit companies; in short, we examine the transaction cost on the default and the fraud. When retailers and customers differ significantly in terms of their riskiness, and credit companies cannot, or are not permitted to assess these differences, credit companies will attempt to charge all retailers and customers the same premiums for equivalent coverage; unless mechanisms can be designed to allow retailers and customers to signal accurately and credibly their private assessments of their own riskiness, lowrisk retailers and customers will consider that they are being overcharged and many will drop out of the market. As information asymmetries increase, more retailers determine that they are being overcharged, increasing the loss of e-commerce market. This paper discusses minimizing the loss of e-commerce market in the presence of extremely different credit risk profiles by Case Based Reasoning approach and XBRL based financial data.
Starting Page	438
Ending Page	449
Page Count	12
File Format	PDF
ISBN	1581137885
DOI	10.1145/948005.948062
Language	English
Publisher	Association for Computing Machinery (ACM)
Publisher Date	2003-09-30
Publisher Place	New York
Access Restriction	Subscribed
Subject Keyword	Case-based reasoning E-commerce Credit risk Xbrl
Content Type	Text
Resource Type	Article

Sl.	Authority	Responsibilities	Communication Details
1	Ministry of Education (GoI), Department of Higher Education	Sanctioning Authority	https://www.education.gov.in/ict-initiatives
2	Indian Institute of Technology Kharagpur	Host Institute of the Project: The host institute of the project is responsible for providing infrastructure support and hosting the project	https://www.iitkgp.ac.in
3	National Digital Library of India Office, Indian Institute of Technology Kharagpur	The administrative and infrastructural headquarters of the project	Dr. B. Sutradhar bsutra@ndl.gov.in
4	Project PI / Joint PI	Principal Investigator and Joint Principal Investigators of the project	Dr. B. Sutradhar bsutra@ndl.gov.in Prof. Saswat Chakrabarti will be added soon
5	Website/Portal (Helpdesk)	Queries regarding NDLI and its services	support@ndl.gov.in
6	Contents and Copyright Issues	Queries related to content curation and copyright issues	content@ndl.gov.in
7	National Digital Library of India Club (NDLI Club)	Queries related to NDLI Club formation, support, user awareness program, seminar/symposium, collaboration, social media, promotion, and outreach	clubsupport@ndl.gov.in
8	Digital Preservation Centre (DPC)	Assistance with digitizing and archiving copyright-free printed books	dpc@ndl.gov.in
9	IDR Setup or Support	Queries related to establishment and support of Institutional Digital Repository (IDR) and IDR workshops	idr@ndl.gov.in

Credit risk management system on e-Commerce: case based reasoning approach