Within recent years, Financial Credit Risk Assessment (FCRA) has become an increasingly important issue within the financial industry. Therefore, the search for features that can predict the credit risk of an organization has increased. Using multiple statistical techniques, a variance of features has been proposed. Applying a structured literature review, 258 papers have been selected. From the selected papers, 835 features have been identified. The features have been analyzed with respect to the type of feature, the information sources needed and the type of organization that applies the features. Based on the results of the analysis, the features have been plotted in the FCRA Model. The results show that most features focus on hard information from a transactional source, based on official information with a high latency. In this paper, we readdress and -present our earlier work [1]. We extended the previous research with more detailed descriptions of the related literature, findings, and results, which provides a grounded basis from which further research on FCRA can be conducted.
De winkelstraat loopt leeg, want klanten shoppen steeds meer online. Winkels zetten daarom steeds vaker beleving in, om klanten een unieke ervaring mee te geven. Wat zijn de laatste ontwikkelingen rondom klantbeleving in winkels, welke innovaties zijn er, en werkt dit?
This paper explores the integration of indicators that reflect the concepts of sustainability into business cases and business case evaluation methods. It is based on the observations that sustainability is one of the most important challenges of our time and that sustainable development requires change of the way we use resources, produce products, share our wealth, and so on. And as change is inescapably related to innovation and projects, sustainable development is related to projects. Business cases of projects should therefore reflect this relationship and include criteria for the assessment of sustainability aspects. Based on an identification of business case evaluation methods, and an overview of frameworks for sustainability indicators, an analysis is made of the inclusion of the indicators and principles of sustainability in business cases and business case evaluation methods. The analysis will conclude that the integration sustainability considerations into business cases of projects, is more than a set of additional criteria to be considered. Integration of sustainability considerations suggests a more holistic and elaborated perspective on business case evaluation than the Return on Investment question, that is dominating business cases and business case evaluation today.
