{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,3,18]],"date-time":"2026-03-18T02:34:56Z","timestamp":1773801296011,"version":"3.50.1"},"reference-count":47,"publisher":"Elsevier BV","issue":"2","license":[{"start":{"date-parts":[[1997,10,1]],"date-time":"1997-10-01T00:00:00Z","timestamp":875664000000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.elsevier.com\/tdm\/userlicense\/1.0\/"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["Decision Support Systems"],"published-print":{"date-parts":[[1997,10]]},"DOI":"10.1016\/s0167-9236(97)00022-5","type":"journal-article","created":{"date-parts":[[2003,4,5]],"date-time":"2003-04-05T00:18:15Z","timestamp":1049501895000},"page":"83-98","source":"Crossref","is-referenced-by-count":18,"title":["Inductive modeling of expert decision making in loan evaluation: a decision strategy perspective"],"prefix":"10.1016","volume":"21","author":[{"given":"Choong N.","family":"Kim","sequence":"first","affiliation":[]},{"given":"H.","family":"Michael Chung","sequence":"additional","affiliation":[]},{"given":"David B.","family":"Paradice","sequence":"additional","affiliation":[]}],"member":"78","reference":[{"issue":"1","key":"10.1016\/S0167-9236(97)00022-5_BIB1","doi-asserted-by":"crossref","first-page":"300","DOI":"10.2307\/2490951","article-title":"Prior probability disclosure and loan officers' judgments: some evidence of the impact","volume":"21","author":"Casey","year":"1983","journal-title":"J. Accounting Res."},{"issue":"1","key":"10.1016\/S0167-9236(97)00022-5_BIB2","doi-asserted-by":"crossref","first-page":"13","DOI":"10.1016\/0030-5073(76)90003-9","article-title":"Man versus model of man: just how conflicting is that evidence?","volume":"16","author":"Goldberg","year":"1976","journal-title":"Organizational Behavior Human Performance"},{"issue":"2","key":"10.1016\/S0167-9236(97)00022-5_BIB3","doi-asserted-by":"crossref","first-page":"366","DOI":"10.1016\/0030-5073(76)90022-2","article-title":"Task complexity and contingent processing in decision making","volume":"16","author":"Payne","year":"1976","journal-title":"Organizational Behavior Human Performance"},{"issue":"2","key":"10.1016\/S0167-9236(97)00022-5_BIB4","doi-asserted-by":"crossref","first-page":"629","DOI":"10.2307\/2490599","article-title":"A lens study of the prediction of corporate failure by bank loan officers","volume":"18","author":"Zimmer","year":"1980","journal-title":"J. Accounting Res."},{"issue":"3","key":"10.1016\/S0167-9236(97)00022-5_BIB5","doi-asserted-by":"crossref","first-page":"647","DOI":"10.1109\/21.31070","article-title":"Expert systems should be more accurate than human experts","volume":"19","author":"Levi","year":"1989","journal-title":"IEEE Trans. Systems Man Cybernetics"},{"issue":"1","key":"10.1016\/S0167-9236(97)00022-5_BIB6","doi-asserted-by":"crossref","first-page":"1","DOI":"10.1016\/0030-5073(76)90002-7","article-title":"Man versus model of man: some conflicting evidence","volume":"16","author":"Libby","year":"1976","journal-title":"Organizational Behavior Human Performance"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB7","series-title":"Machine Learning: An Artificial Intelligence Approach","article-title":"A theory and methodology of inductive learning","author":"Michalski","year":"1983"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB8","series-title":"Expert Systems in Microelectronic Age","first-page":"169","article-title":"Discovering rules by induction from large collection of examples","author":"Quinlan","year":"1979"},{"issue":"3","key":"10.1016\/S0167-9236(97)00022-5_BIB9","doi-asserted-by":"crossref","first-page":"415","DOI":"10.1111\/j.1540-5915.1987.tb01533.x","article-title":"Predicting stock market behavior through rule induction","volume":"18","author":"Braun","year":"1987","journal-title":"Decision Sci."},{"issue":"5","key":"10.1016\/S0167-9236(97)00022-5_BIB10","doi-asserted-by":"crossref","first-page":"71","DOI":"10.1109\/MEX.1987.4307093","article-title":"Assessing credit card applications using machine learning","volume":"2","author":"Carter","year":"1987","journal-title":"IEEE Expert"},{"issue":"3","key":"10.1016\/S0167-9236(97)00022-5_BIB11","doi-asserted-by":"crossref","first-page":"687","DOI":"10.1111\/j.1540-5915.1992.tb00412.x","article-title":"Rule-based expert systems and linear models: an empirical comparison of learning-by-examples methods","volume":"23","author":"Chung","year":"1992","journal-title":"Decision Sci."},{"issue":"12","key":"10.1016\/S0167-9236(97)00022-5_BIB12","doi-asserted-by":"crossref","first-page":"1403","DOI":"10.1287\/mnsc.34.12.1403","article-title":"Inducing rules for expert system development: an example using default and bankruptcy data","volume":"34","author":"Messier","year":"1988","journal-title":"Manage. Sci."},{"key":"10.1016\/S0167-9236(97)00022-5_BIB13","series-title":"Applications of Expert Systems","article-title":"Current developments in expert systems","author":"Michie","year":"1987"},{"issue":"2","key":"10.1016\/S0167-9236(97)00022-5_BIB14","doi-asserted-by":"crossref","first-page":"47","DOI":"10.1109\/64.50856","article-title":"Inductive learning for risk classification","volume":"4","author":"Shaw","year":"1990","journal-title":"IEEE Expert"},{"issue":"1","key":"10.1016\/S0167-9236(97)00022-5_BIB15","doi-asserted-by":"crossref","first-page":"3","DOI":"10.1002\/j.1099-1174.1993.tb00031.x","article-title":"A comparative analysis of inductive learning algorithms","volume":"2","author":"Chung","year":"1994","journal-title":"Int. J. Intelligent Systems in Accounting, Finance and Management"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB16","series-title":"Proceedings of the HICSS","first-page":"163","article-title":"Contrasting neural nets with regression in predicting performance in the transportation industry","author":"Duliba","year":"1991"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB17","first-page":"443","article-title":"Bond ratings: a non-conservative application of neural networks","volume":"2","author":"Dutta","year":"1988"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB18","series-title":"Proceedings of the HICSS","first-page":"147","article-title":"A neural network application for bankruptcy prediction","author":"Raghupathi","year":"1991"},{"issue":"7","key":"10.1016\/S0167-9236(97)00022-5_BIB19","doi-asserted-by":"crossref","first-page":"926","DOI":"10.1287\/mnsc.38.7.926","article-title":"Managerial applications of neural networks: the case of bank failure predictions","volume":"38","author":"Tam","year":"1992","journal-title":"Manage. Sci."},{"key":"10.1016\/S0167-9236(97)00022-5_BIB20","article-title":"Modeling Expert Decision Making in Bankruptcy Prediction: A Decision Strategy Perspective","author":"Kim","year":"1993"},{"issue":"3","key":"10.1016\/S0167-9236(97)00022-5_BIB21","doi-asserted-by":"crossref","first-page":"439","DOI":"10.5465\/amr.1978.4305717","article-title":"A contingency model for the selection of decision strategies","volume":"3","author":"Beach","year":"1978","journal-title":"Acad. Manage. Rev."},{"issue":"2","key":"10.1016\/S0167-9236(97)00022-5_BIB22","doi-asserted-by":"crossref","first-page":"382","DOI":"10.1037\/0033-2909.92.2.382","article-title":"Contingent decision behavior","volume":"92","author":"Payne","year":"1982","journal-title":"Psychological Bull."},{"issue":"1","key":"10.1016\/S0167-9236(97)00022-5_BIB23","doi-asserted-by":"crossref","first-page":"86","DOI":"10.1016\/0030-5073(79)90048-5","article-title":"Process descriptions of decision making","volume":"23","author":"Svenson","year":"1979","journal-title":"Organizational Behavior Human Performance"},{"issue":"3","key":"10.1016\/S0167-9236(97)00022-5_BIB24","doi-asserted-by":"crossref","first-page":"221","DOI":"10.1037\/h0028695","article-title":"The use of nonlinear noncompensatory models in decision making","volume":"77","author":"Einhorn","year":"1970","journal-title":"Psychological Bull."},{"issue":"1","key":"10.1016\/S0167-9236(97)00022-5_BIB25","doi-asserted-by":"crossref","first-page":"1","DOI":"10.1016\/0030-5073(71)90002-X","article-title":"Use of nonlinear, noncompensatory models as a function of task and amount of information","volume":"19","author":"Einhorn","year":"1971","journal-title":"Organizational Behavior Human Performance"},{"issue":"3","key":"10.1016\/S0167-9236(97)00022-5_BIB26","doi-asserted-by":"crossref","first-page":"300","DOI":"10.1016\/0030-5073(79)90032-1","article-title":"Task complexity and contingent processing in decision making: a replication and extension","volume":"24","author":"Olshavsky","year":"1979","journal-title":"Organizational Behavior Human Performance"},{"issue":"3","key":"10.1016\/S0167-9236(97)00022-5_BIB27","doi-asserted-by":"crossref","first-page":"331","DOI":"10.1016\/0030-5073(83)90129-0","article-title":"Measures of compensatory and noncompensatory models of decision behavior","volume":"31","author":"Billings","year":"1983","journal-title":"Organizational Behavior Human Performance"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB28","series-title":"Computer-aided Multivariate Analysis","author":"Afifi","year":"1984"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB29","series-title":"Applied Linear Regression Models","author":"Neter","year":"1989"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB30","doi-asserted-by":"crossref","first-page":"379","DOI":"10.1002\/j.1538-7305.1948.tb01338.x","article-title":"A mathematical theory of communications","volume":"27","author":"Shannon","year":"1948","journal-title":"Bell Syst. Tech. J."},{"key":"10.1016\/S0167-9236(97)00022-5_BIB31","article-title":"An empirical comparison of ID3 and back-propagation","author":"Fisher","year":"1989"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB32","series-title":"Parallel Distributed Processing","article-title":"Learning internal representations by error propagation","author":"Rumelhart","year":"1986"},{"issue":"2","key":"10.1016\/S0167-9236(97)00022-5_BIB33","doi-asserted-by":"crossref","first-page":"4","DOI":"10.1109\/MASSP.1987.1165576","article-title":"An introduction to computing with neural nets","volume":"4","author":"Lippmann","year":"1987","journal-title":"IEEE ASSP Mag."},{"key":"10.1016\/S0167-9236(97)00022-5_BIB34","series-title":"The Conceptual Framework of Psychology","author":"Brunswick","year":"1952"},{"issue":"3","key":"10.1016\/S0167-9236(97)00022-5_BIB35","doi-asserted-by":"crossref","first-page":"583","DOI":"10.1177\/001316446602600304","article-title":"The effect of variations in the cue R-matrix upon the obtained policy equations of judges","volume":"26","author":"Dudycha","year":"1966","journal-title":"Educational Psychological Measurement"},{"issue":"6","key":"10.1016\/S0167-9236(97)00022-5_BIB36","doi-asserted-by":"crossref","first-page":"438","DOI":"10.1037\/h0040736","article-title":"Analyzing the components of clinical inference","volume":"71","author":"Hammond","year":"1964","journal-title":"Psychological Rev."},{"issue":"1","key":"10.1016\/S0167-9236(97)00022-5_BIB37","doi-asserted-by":"crossref","first-page":"42","DOI":"10.1037\/h0041729","article-title":"Some methodological considerations in multiple-cue probability studies","volume":"71","author":"Hursch","year":"1964","journal-title":"Psychological Rev."},{"issue":"6","key":"10.1016\/S0167-9236(97)00022-5_BIB38","doi-asserted-by":"crossref","first-page":"458","DOI":"10.1037\/h0047061","article-title":"A suggested alternative formulation in the development of Hursch, Hammond, and Hursch, and by Hammond, Hursch, and Todd","volume":"71","author":"Tucker","year":"1964","journal-title":"Psychological Rev."},{"issue":"4","key":"10.1016\/S0167-9236(97)00022-5_BIB39","first-page":"719","article-title":"The predictive ability criterion and user prediction models","volume":"49","author":"Ashton","year":"1974","journal-title":"Accounting Rev."},{"key":"10.1016\/S0167-9236(97)00022-5_BIB40","series-title":"Accounting and Human Information Processing: Theory and Applications","author":"Libby","year":"1981"},{"issue":"1","key":"10.1016\/S0167-9236(97)00022-5_BIB41","doi-asserted-by":"crossref","first-page":"73","DOI":"10.1016\/0030-5073(79)90047-3","article-title":"Properties of judgment models in a financial setting","volume":"23","author":"Wright","year":"1979","journal-title":"Organizational Behavior Human Performance"},{"issue":"5","key":"10.1016\/S0167-9236(97)00022-5_BIB42","doi-asserted-by":"crossref","first-page":"422","DOI":"10.1037\/h0029230","article-title":"Man versus model of man: a rationale, plus some evidence, for a method of improving on clinical inferences","volume":"77","author":"Goldberg","year":"1970","journal-title":"Psychological Bull."},{"key":"10.1016\/S0167-9236(97)00022-5_BIB43","article-title":"An Expert Decision Support System for Auditor Going Concern Evaluation","author":"Harris","year":"1989"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB44","series-title":"How Many Subjects?: Statistical Power Analysis in Research","author":"Kraemer","year":"1987"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB45","series-title":"Biostatistics: in Bimedical, Public Health, and Environmental Sciences","article-title":"A comparison of the discrimination of discriminant analysis and logistic regression under multivariate normality","author":"Harrell","year":"1985"},{"key":"10.1016\/S0167-9236(97)00022-5_BIB46","series-title":"Adaptive Pattern Recognition and Neural Networks","author":"Pao","year":"1989"},{"issue":"2","key":"10.1016\/S0167-9236(97)00022-5_BIB47","doi-asserted-by":"crossref","first-page":"86","DOI":"10.1016\/0030-5073(72)90009-8","article-title":"Expert measurement and mechanical combination","volume":"20","author":"Einhorn","year":"1972","journal-title":"Organizational Behavior Human Performance"}],"container-title":["Decision Support Systems"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/api.elsevier.com\/content\/article\/PII:S0167923697000225?httpAccept=text\/xml","content-type":"text\/xml","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/api.elsevier.com\/content\/article\/PII:S0167923697000225?httpAccept=text\/plain","content-type":"text\/plain","content-version":"vor","intended-application":"text-mining"}],"deposited":{"date-parts":[[2020,1,9]],"date-time":"2020-01-09T21:33:35Z","timestamp":1578605615000},"score":1,"resource":{"primary":{"URL":"https:\/\/linkinghub.elsevier.com\/retrieve\/pii\/S0167923697000225"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[1997,10]]},"references-count":47,"journal-issue":{"issue":"2","published-print":{"date-parts":[[1997,10]]}},"alternative-id":["S0167923697000225"],"URL":"https:\/\/doi.org\/10.1016\/s0167-9236(97)00022-5","relation":{},"ISSN":["0167-9236"],"issn-type":[{"value":"0167-9236","type":"print"}],"subject":[],"published":{"date-parts":[[1997,10]]}}}