We propose a credit risk model for consumer loan portfolios in Brazil. Consumer profiles and the risk classification of credit operations are used to segment the portfolios. Credit loss distributions for each segment are ...

In many countries consumer credit legislation provides for the extension of liability for product failure to the …nancial institution that advances credit to the consumer. In particular, lender liability is imposed on those ...

This research aims to analyze the quality of expenses of credit unions of free admission of associates in Santa Catarina. We applied the non-parametric research method of Data Envelopment Analysis (DEA) and the statistical ...

Consumer credit regulations usually require that lenders disclose interest rates. However, in the absence of specific prominence requirements, lenders can conceal the interest rate in the fine print while still complying ...

The main objective of this work is to detail the functionality of credit unions in the country and to analyze how the operational result of these institutions reacts when aligned with the migration from physical to digital ...

Since the middle of the last decade, fintechs have represented a new alternative for financial solutions for Brazilian consumers. Technological advances, added to the increase in connectivity through the spread of ...

Since the middle of the last decade, fintechs have represented a new alternative for financial solutions for Brazilian consumers. Technological advances, added to the increase in connectivity through the spread of ...

Quantum models based on the mathematics of quantum mechanics (QM) have been developed in cognitive sciences, game theory and econophysics. In this work a generalization of credit loans is introduced by using the vector ...