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Coins, currencies, and credit instruments : Media of exchange in economic and social history

How, in historical societies, did people finalise transactions? Over the past few decades many economic and social historians have concerned themselves with this question, following the examples set by Douglass North and Craig Muldrew. Surprisingly, they have almost completely disregarded the most straightforward solution that historical societies had to offer, namely by using coins and currencies

Improving High-Risk Consumer Credit Scoring with Financial Transaction Data

Credit scoring, the process of evaluating loan applicants with the help of numerical methods, is widely used in the financial sector. When used correctly, it can aid the decision process and lower default rates on loans. New EU regulation has allowed third-party actors to access personal banking information, following the applicant's consent. The increase in available information that financia