Hian Chye Koh

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Credit scoring can be defined as a technique that helps credit providers decide whether to grant credit to consumers or customers. Its increasing importance can be seen from the growing popularity and application of credit scoring in consumer credit. There are advantages not only to construct effective credit scoring models to help improve the bottom-line(More)
The study seeks to examine the perception of software piracy as well as to discover its underlying factors among Singapore's three university communities. Some five hundred responses were gathered from students and staff. By means of cluster analysis and factor analysis, the results identify three clusters of pirate profiles as influenced by factors such as(More)
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