{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,9,24]],"date-time":"2026-09-24T16:38:24Z","timestamp":1790267904606,"version":"4.1.0"},"reference-count":83,"publisher":"Elsevier BV","license":[{"start":{"date-parts":[[2021,7,1]],"date-time":"2021-07-01T00:00:00Z","timestamp":1625097600000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.elsevier.com\/tdm\/userlicense\/1.0\/"},{"start":{"date-parts":[[2021,7,1]],"date-time":"2021-07-01T00:00:00Z","timestamp":1625097600000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.elsevier.com\/legal\/tdmrep-license"}],"funder":[{"DOI":"10.13039\/501100001871","name":"Funda\u00e7\u00e3o para a Ci\u00eancia e a Tecnologia","doi-asserted-by":"publisher","id":[{"id":"10.13039\/501100001871","id-type":"DOI","asserted-by":"publisher"}]}],"content-domain":{"domain":["elsevier.com","sciencedirect.com"],"crossmark-restriction":true},"short-container-title":["Journal of Business Research"],"published-print":{"date-parts":[[2021,7]]},"DOI":"10.1016\/j.jbusres.2020.10.035","type":"journal-article","created":{"date-parts":[[2020,10,19]],"date-time":"2020-10-19T11:55:58Z","timestamp":1603108558000},"page":"411-425","update-policy":"https:\/\/doi.org\/10.1016\/elsevier_cm_policy","source":"Crossref","is-referenced-by-count":34,"special_numbering":"C","title":["Using artificial intelligence to overcome over-indebtedness and fight poverty"],"prefix":"10.1016","volume":"131","author":[{"given":"M\u00e1rio","family":"Boto Ferreira","sequence":"first","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Diego","family":"Costa Pinto","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"M\u00e1rcia","family":"Maurer Herter","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Jer\u00f4nimo","family":"Soro","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Leonardo","family":"Vanneschi","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Mauro","family":"Castelli","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Fernando","family":"Peres","sequence":"additional","affiliation":[],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"78","reference":[{"key":"10.1016\/j.jbusres.2020.10.035_b0005","doi-asserted-by":"crossref","unstructured":"Agarwal, R., R., Lin, C.-C., Chen, K.-T., & Singh, V. K. (2018). Predicting financial trouble using call data\u2014On social capital, phone logs, and financial trouble. Plos One, 13 (2), e0191863. doi.org\/10.1371\/journal.pone.0191863.","DOI":"10.1371\/journal.pone.0191863"},{"key":"10.1016\/j.jbusres.2020.10.035_b0010","first-page":"1","article-title":"Recent Changes in U.S. Family Finances: Evidence from the 1998 and 2001 Survey of Consumer Finances","author":"Aizcorbe","year":"2003","journal-title":"Federal Reserve Bulletin"},{"key":"10.1016\/j.jbusres.2020.10.035_b0015","series-title":"In Proceedings of the 2nd International Conference on Computational Intelligence and Intelligent Systems. ACM","article-title":"Cyberbullying Detection Using Deep Learning and Word Embeddings: An Empirical Study","author":"Al-Hashedi","year":"2019"},{"issue":"3","key":"10.1016\/j.jbusres.2020.10.035_b0020","doi-asserted-by":"crossref","first-page":"92","DOI":"10.4018\/IJACI.2019070106","article-title":"Adam deep learning with SOM for human sentiment classification","volume":"10","author":"Ali","year":"2019","journal-title":"International Journal of Ambient Computing and Intelligence"},{"key":"10.1016\/j.jbusres.2020.10.035_b0025","unstructured":"Alleweldt, F., Kara, S., Graham, R., Kempson, E., Collard, S., Stamp, S., & Nahtigal, N. (2013). The over-indebtedness of European households: Updated mapping of the situation, nature and causes, effects and initiatives for alleviating its impact \u2013 Part 1: Synthesis of Findings. http:\/\/www.civic-consulting.de Accessed 26 September 2016."},{"key":"10.1016\/j.jbusres.2020.10.035_b0030","article-title":"Loan Default Prediction and Identification of Interesting Relations between Attributes of Peer-to-Peer Loan Applications. New Zealand Journal of Computer-Human","volume":"2","author":"Alomari","year":"2017","journal-title":"Interaction"},{"key":"10.1016\/j.jbusres.2020.10.035_b0035","unstructured":"Angel, S., Einb\u00f6ck, M., & Heitzmann, K. (2009). Politikgegen und Ausma\u00df der \u00dcberschuldung in den L\u00e4ndern der Europ\u00e4ischen Union. http:\/\/epub.wu.ac.at\/278\/ Accessed 15 April 2019."},{"key":"10.1016\/j.jbusres.2020.10.035_b0040","unstructured":"Arnold, J., & Rodrigues, C. F. (2015). Reducing Inequality and Poverty in Portugal Economics. Organization for Economic Co-operation and Development. http:\/\/www.oecd.org\/officialdocuments\/publicdisplaydocumentpdf\/?cote=ECO\/WKP(2015)76&docLanguage=En Accessed 15 April 2019."},{"key":"10.1016\/j.jbusres.2020.10.035_b0045","author":"Bank of Portugal"},{"issue":"1","key":"10.1016\/j.jbusres.2020.10.035_b0050","first-page":"1","article-title":"Making Credit Safer","volume":"157","author":"Bar-Gill","year":"2008","journal-title":"University of Pennsylvania Law Review"},{"issue":"6","key":"10.1016\/j.jbusres.2020.10.035_b0055","doi-asserted-by":"crossref","first-page":"351","DOI":"10.1111\/j.1467-8721.2007.00534.x","article-title":"The strength model of self-control","volume":"16","author":"Baumeister","year":"2007","journal-title":"Current Directions in Psychological Science"},{"issue":"2","key":"10.1016\/j.jbusres.2020.10.035_b9035","doi-asserted-by":"crossref","first-page":"137","DOI":"10.1016\/0148-2963(95)00100-X","article-title":"Determinants of relationship quality: An artificial neural network analysis","volume":"36","author":"Bejou","year":"1996","journal-title":"Journal of Business Research"},{"key":"10.1016\/j.jbusres.2020.10.035_b0060","series-title":"Credit and Debt: The PSI Report","author":"Berthoud","year":"1992"},{"issue":"2","key":"10.1016\/j.jbusres.2020.10.035_b0065","doi-asserted-by":"crossref","first-page":"418","DOI":"10.1257\/aer.99.2.418","article-title":"What Do High-Interest Borrowers Do with Their Tax Rebate?","volume":"99","author":"Bertrand","year":"2009","journal-title":"American Economic Review: Papers & Proceedings"},{"issue":"2","key":"10.1016\/j.jbusres.2020.10.035_b0070","doi-asserted-by":"crossref","first-page":"419","DOI":"10.1257\/0002828041302019","article-title":"A Behavioral-Economics View of Poverty","volume":"94","author":"Bertrand","year":"2004","journal-title":"American Economic Review"},{"issue":"2","key":"10.1016\/j.jbusres.2020.10.035_b0075","doi-asserted-by":"crossref","first-page":"136","DOI":"10.1108\/01443580710745371","article-title":"Consumer over-indebtedness in the EU: Measurement and characteristics","volume":"34","author":"Betti","year":"2007","journal-title":"Journal of Economic Studies"},{"issue":"1","key":"10.1016\/j.jbusres.2020.10.035_b0080","doi-asserted-by":"crossref","first-page":"100","DOI":"10.1093\/ei\/cbi008","article-title":"Debt and financial expectations: An individual and household level analysis","volume":"43","author":"Brown","year":"2005","journal-title":"Economic Inquiry"},{"key":"10.1016\/j.jbusres.2020.10.035_b0085","doi-asserted-by":"crossref","first-page":"228","DOI":"10.1016\/j.jbusres.2017.03.013","article-title":"Financial well-being: A conceptualization and research agenda","volume":"79","author":"Br\u00fcggen","year":"2017","journal-title":"Journal of Business Research"},{"issue":"4","key":"10.1016\/j.jbusres.2020.10.035_b0090","first-page":"218","article-title":"Payment of household debts","volume":"77","author":"Canner","year":"1991","journal-title":"Federal Reserve Bulletin"},{"key":"10.1016\/j.jbusres.2020.10.035_b0095","doi-asserted-by":"crossref","first-page":"81","DOI":"10.1016\/j.jbusres.2017.03.002","article-title":"Temptation's itch: Mindlessness, acceptance, and mindfulness in a debt management program","volume":"77","author":"Celsi","year":"2017","journal-title":"Journal of Business Research"},{"key":"10.1016\/j.jbusres.2020.10.035_b0100","doi-asserted-by":"crossref","unstructured":"Cortes, C., & Vapnik, V. (1995). Support-vector networks.Machine learning,20 (3), 273-297.","DOI":"10.1023\/A:1022627411411"},{"issue":"9","key":"10.1016\/j.jbusres.2020.10.035_b9020","doi-asserted-by":"crossref","first-page":"1629","DOI":"10.1016\/j.jbusres.2012.12.008","article-title":"Customer churn prediction in the online gambling industry: The beneficial effect of ensemble learning","volume":"66","author":"Coussement","year":"2013","journal-title":"Journal of Business Research"},{"key":"10.1016\/j.jbusres.2020.10.035_b0120","unstructured":"DECO (2018). Statistical Bulletin1st Semester 2018 - Over-indebtedness of families The \u201cnew\u201d causes of over-indebtedness. Gabinete de aux\u00edlio ao sobreendividado. https:\/\/gasdeco.net\/activeapp\/wp-content\/uploads\/2018\/11\/GAS-DECO-data-1st-semester-2018.pdf Accessed 17 February 2019."},{"key":"10.1016\/j.jbusres.2020.10.035_b9000","doi-asserted-by":"crossref","first-page":"186","DOI":"10.1016\/j.jbusres.2018.05.013","article-title":"The analytics paradigm in business research","volume":"90","author":"Delen","year":"2018","journal-title":"Journal of Business Research"},{"issue":"7","key":"10.1016\/j.jbusres.2020.10.035_b0125","doi-asserted-by":"crossref","first-page":"2594","DOI":"10.1016\/j.jbusres.2015.10.140","article-title":"Managing consumer debt: Culture, compliance, and completion","volume":"69","author":"Dellande","year":"2016","journal-title":"Journal of Business Research"},{"issue":"6","key":"10.1016\/j.jbusres.2020.10.035_b0105","doi-asserted-by":"crossref","first-page":"478","DOI":"10.1111\/j.1467-9280.2006.01732.x","article-title":"Predicting cognitive control from preschool to late adolescence and young adulthood","volume":"17","author":"Eigsti","year":"2006","journal-title":"Psychological Science"},{"key":"10.1016\/j.jbusres.2020.10.035_b0110","doi-asserted-by":"crossref","first-page":"27","DOI":"10.3844\/ajebasp.2010.27.34","article-title":"Neuro-based artificial intelligence model for loan decisions","volume":"2","author":"Eletter","year":"2010","journal-title":"American Journal of Economics and Business Administration"},{"key":"10.1016\/j.jbusres.2020.10.035_b9005","doi-asserted-by":"crossref","first-page":"335","DOI":"10.1016\/j.jbusres.2018.02.012","article-title":"Educational data mining: Predictive analysis of academic performance of public school students in the capital of Brazil","volume":"94","author":"Fernandes","year":"2019","journal-title":"Journal of Business Research"},{"key":"10.1016\/j.jbusres.2020.10.035_b0115","first-page":"2962","article-title":"Efficient and robust automated machine learning","volume":"28","author":"Feurer","year":"2015","journal-title":"Advances in Neural Information Processing Systems"},{"issue":"1","key":"10.1016\/j.jbusres.2020.10.035_b9015","doi-asserted-by":"crossref","first-page":"79","DOI":"10.1016\/S0148-2963(02)00287-4","article-title":"Using an artificial neural network trained with a genetic algorithm to model brand share","volume":"57","author":"Fish","year":"2004","journal-title":"Journal of Business research"},{"key":"10.1016\/j.jbusres.2020.10.035_b0130","doi-asserted-by":"crossref","first-page":"1","DOI":"10.1016\/j.asoc.2020.106062","article-title":"Adaptive protection scheme for microgrids based on SOM clustering technique","volume":"88","author":"Ghadiri","year":"2020","journal-title":"Applied Soft Computing"},{"key":"10.1016\/j.jbusres.2020.10.035_b0135","first-page":"67","article-title":"Predictors of households' debt repayment difficulties","volume":"10","author":"Godwin","year":"1999","journal-title":"Financial Counseling and Planning"},{"issue":"1","key":"10.1016\/j.jbusres.2020.10.035_b0140","doi-asserted-by":"crossref","first-page":"5","DOI":"10.1007\/BF01896809","article-title":"Metric and Euclidean properties of dissimilarity coefficients","volume":"3","author":"Gower","year":"1986","journal-title":"Journal of Classification"},{"key":"10.1016\/j.jbusres.2020.10.035_b0145","series-title":"Neural networks: A comprehensive foundation","author":"Haykin","year":"1994"},{"issue":"6","key":"10.1016\/j.jbusres.2020.10.035_b0150","doi-asserted-by":"crossref","first-page":"973","DOI":"10.1177\/1745691617702496","article-title":"Nudging and boosting: Steering or empowering good decisions","volume":"12","author":"Hertwig","year":"2017","journal-title":"Perspectives on Psychological Science"},{"issue":"5","key":"10.1016\/j.jbusres.2020.10.035_b0155","doi-asserted-by":"crossref","first-page":"450","DOI":"10.1177\/1745691612454134","article-title":"What is ego depletion? Toward a mechanistic revision of the resource model of self-control","volume":"7","author":"Inzlicht","year":"2012","journal-title":"Perspectives on Psychological Science"},{"issue":"4","key":"10.1016\/j.jbusres.2020.10.035_b0160","doi-asserted-by":"crossref","first-page":"267","DOI":"10.1016\/j.erap.2006.09.003","article-title":"Consumer credit use: A process model and literature review","volume":"57","author":"Kamleitner","year":"2007","journal-title":"European Review of Applied Psychology\/Revue Europ\u00e9enne de Psychologie Appliqu\u00e9e"},{"key":"10.1016\/j.jbusres.2020.10.035_b0165","series-title":"In IEEE\/ACM International Conference on Advances in Social Networks Analysis and Mining (ASONAM). IEEE","article-title":"Sounds of silence breakers: Exploring sexual violence on Twitter","author":"Khatua","year":"2018"},{"key":"10.1016\/j.jbusres.2020.10.035_b0170","first-page":"5","article-title":"Financial vulnerability of mortgage-indebted households in New Zealand - evidence from the Household Economic Survey","volume":"72","author":"Kida","year":"2009","journal-title":"Reserve Bank of New Zealand Bulletin"},{"key":"10.1016\/j.jbusres.2020.10.035_b0175","doi-asserted-by":"crossref","first-page":"52","DOI":"10.1016\/j.neunet.2012.09.018","article-title":"Essentials of the self-organizing map","volume":"37","author":"Kohonen","year":"2013","journal-title":"Neural Networks"},{"key":"10.1016\/j.jbusres.2020.10.035_b0180","doi-asserted-by":"crossref","first-page":"1","DOI":"10.1016\/j.bspc.2019.101690","article-title":"Heartbeat classification using local transform pattern feature and hybrid neural fuzzy-logic system based on self-organizing map","volume":"57","author":"Lee","year":"2020","journal-title":"Biomedical Signal Processing and Control"},{"issue":"1\u20133","key":"10.1016\/j.jbusres.2020.10.035_b0185","doi-asserted-by":"crossref","first-page":"263","DOI":"10.1023\/A:1019154432472","article-title":"A proof of the triangle inequality for the Tanimoto distance","volume":"26","author":"Lipkus","year":"1999","journal-title":"Journal of Mathematical Chemistry"},{"key":"10.1016\/j.jbusres.2020.10.035_b0190","doi-asserted-by":"crossref","first-page":"45","DOI":"10.1016\/j.joep.2018.04.002","article-title":"Testing strategies to increase saving in individual development account programs","volume":"66","author":"Loibl","year":"2018","journal-title":"Journal of Economic Psychology"},{"key":"10.1016\/j.jbusres.2020.10.035_b0195","article-title":"Financial Literacy: An Essential Tool for Informed Consumer Choice?","volume":"1\u201329","author":"Lusardi","year":"2008","journal-title":"National Bureau of Economic Research"},{"issue":"4","key":"10.1016\/j.jbusres.2020.10.035_b0200","doi-asserted-by":"crossref","first-page":"497","DOI":"10.1017\/S1474747211000448","article-title":"Financial literacy around the world: An overview","volume":"10","author":"Lusardi","year":"2011","journal-title":"Journal of Pension Economics and Finance"},{"issue":"4","key":"10.1016\/j.jbusres.2020.10.035_b0205","doi-asserted-by":"crossref","first-page":"332","DOI":"10.1017\/S1474747215000232","article-title":"Debt literacy, financial experiences, and over-indebtedness","volume":"14","author":"Lusardi","year":"2015","journal-title":"Journal of Pension Economics and Finance"},{"key":"10.1016\/j.jbusres.2020.10.035_b0210","doi-asserted-by":"crossref","first-page":"976","DOI":"10.1126\/science.1238041","article-title":"Poverty impedes cognitive function","volume":"341","author":"Mani","year":"2013","journal-title":"Science"},{"key":"10.1016\/j.jbusres.2020.10.035_b0215","series-title":"Machine learning: An algorithmic perspective","author":"Marsland","year":"2015"},{"issue":"1","key":"10.1016\/j.jbusres.2020.10.035_b0220","first-page":"193","article-title":"Present-biased preferences and credit card borrowing","volume":"2","author":"Meier","year":"2010","journal-title":"American Economic Journal: Applied Economics"},{"issue":"1","key":"10.1016\/j.jbusres.2020.10.035_b0225","doi-asserted-by":"crossref","first-page":"10","DOI":"10.1177\/0196859998022001003","article-title":"The show for those who owe: Normalization of credit on lifetime\u2019s debt","volume":"22","author":"Merskin","year":"1998","journal-title":"Journal of Communication Inquiry"},{"issue":"1","key":"10.1016\/j.jbusres.2020.10.035_b0235","doi-asserted-by":"crossref","first-page":"57","DOI":"10.1037\/h0041895","article-title":"Preference for delayed reinforcement: An experimental study of a cultural observation","volume":"56","author":"Mischel","year":"1958","journal-title":"The Journal of Abnormal and Social Psychology"},{"issue":"2","key":"10.1016\/j.jbusres.2020.10.035_b0240","first-page":"160","article-title":"The life cycle hypothesis of saving, the demand for wealth and the supply of capital","volume":"33","author":"Modigliani","year":"1966","journal-title":"Social Research"},{"key":"10.1016\/j.jbusres.2020.10.035_b0245","doi-asserted-by":"crossref","unstructured":"Montiel, J., Bifet, A., & Abdessalem, T. (2017). Predicting over-indebtedness on batch and streaming data. Paper presentation ate the 2017 IEEE International Conference on Big Data, Boston, MA, 1504-1513.","DOI":"10.1109\/BigData.2017.8258084"},{"issue":"9","key":"10.1016\/j.jbusres.2020.10.035_b9025","doi-asserted-by":"crossref","first-page":"3341","DOI":"10.1016\/j.jbusres.2016.02.010","article-title":"Predicting social media performance metrics and evaluation of the impact on brand building: A data mining approach","volume":"69","author":"Moro","year":"2016","journal-title":"Journal of Business Research"},{"key":"10.1016\/j.jbusres.2020.10.035_b0255","series-title":"Principles of artificial intelligence","author":"Nilsson","year":"2014"},{"key":"10.1016\/j.jbusres.2020.10.035_b0260","doi-asserted-by":"crossref","first-page":"318","DOI":"10.1016\/j.jbusres.2016.08.005","article-title":"Constructing spatiotemporal poverty indices from big data","volume":"70","author":"Njuguna","year":"2017","journal-title":"Journal of Business Research"},{"issue":"3","key":"10.1016\/j.jbusres.2020.10.035_b0265","doi-asserted-by":"crossref","first-page":"585","DOI":"10.1093\/cje\/bet009","article-title":"Policy coordination, conflicting national interests and the European debt crisis","volume":"37","author":"Panico","year":"2013","journal-title":"Cambridge Journal of Economics"},{"issue":"2","key":"10.1016\/j.jbusres.2020.10.035_b0270","doi-asserted-by":"crossref","first-page":"113","DOI":"10.1108\/19405971211284899","article-title":"Psychological determinants of consumer credit: The role of attitudes","volume":"4","author":"Pattarin","year":"2012","journal-title":"Review of Behavioral Finance"},{"key":"10.1016\/j.jbusres.2020.10.035_b0275","doi-asserted-by":"crossref","unstructured":"Resta, M. (2012). Graph mining-based SOM: a tool to analyze economic stability. InApplications of Self-Organizing Maps. IntechOpen. doi: 10.5772\/51240. https:\/\/www.intechopen.com\/books\/applications-of-self-organizing-maps\/graph-mining-based-som-a-tool-to-analyze-economic-stability.","DOI":"10.5772\/51240"},{"key":"10.1016\/j.jbusres.2020.10.035_b0280","doi-asserted-by":"crossref","unstructured":"Sawhney, R., Manchanda, P., Mathur, P., Shah, R., & Singh, R. (2018). Exploring and learning suicidal ideation connotations on social media with deep learning. In Proceedings of the 9th Workshop on Computational Approaches to Subjectivity, Sentiment and Social Media Analysis (pp. 167-175).","DOI":"10.18653\/v1\/W18-6223"},{"key":"10.1016\/j.jbusres.2020.10.035_b0285","series-title":"Learning with kernels: Support vector machines, regularization, optimization, and beyond","author":"Sch\u00f6lkopf","year":"2002"},{"issue":"2","key":"10.1016\/j.jbusres.2020.10.035_b0290","doi-asserted-by":"crossref","first-page":"250","DOI":"10.1086\/671012","article-title":"Extreme poverty in the united states and the response of federal means-tested transfer programs","volume":"87","author":"Shaefer","year":"2013","journal-title":"Social Service Review"},{"key":"10.1016\/j.jbusres.2020.10.035_b9040","doi-asserted-by":"crossref","first-page":"346","DOI":"10.1016\/j.jbusres.2016.08.008","article-title":"Predicting the \u201chelpfulness\u201d of online consumer reviews","volume":"70","author":"Singh","year":"2017","journal-title":"Journal of Business Research"},{"key":"10.1016\/j.jbusres.2020.10.035_b9030","doi-asserted-by":"crossref","first-page":"263","DOI":"10.1016\/j.jbusres.2016.08.001","article-title":"Critical analysis of Big Data challenges and analytical methods","volume":"70","author":"Sivarajah","year":"2017","journal-title":"Journal of Business Research"},{"key":"10.1016\/j.jbusres.2020.10.035_b0295","first-page":"1292","article-title":"Credit CARD act II: expanding credit card reform by targeting behavioral biases","volume":"59","author":"Slowik","year":"2012","journal-title":"UCLA Law Review"},{"key":"10.1016\/j.jbusres.2020.10.035_b0300","doi-asserted-by":"crossref","first-page":"672","DOI":"10.1037\/0022-3514.94.4.672","article-title":"On the relative independence of thinking biases and cognitive ability","volume":"94","author":"Stanovich","year":"2008","journal-title":"Journal of Personality and Social Psychology"},{"key":"10.1016\/j.jbusres.2020.10.035_b0305","series-title":"What intelligence tests miss: The psychology of rational thought","author":"Stanovich","year":"2009"},{"key":"10.1016\/j.jbusres.2020.10.035_b0310","unstructured":"Stanovich, K. E., West, R. F., & Toplak, M. E. (2011). Individual differences as essential components of heuristics and biases research. In K. Manktelow, D. Over, & S. Elqayam (Eds.), The science of reason: A festschrift for Jonathan St. B. T. Evans (pp. 335-396). New York: Psychology Press."},{"key":"10.1016\/j.jbusres.2020.10.035_b0315","unstructured":"Statistics Portugal (2017). 2.6 million at-risk-of-poverty or social exclusion \u2013 2016. https:\/\/www.ine.pt\/xportal\/xmain?xpid=INE&xpgid=ine_destaques&DESTAQUESdest_boui=281091354&DESTAQUESmodo=2&xlang=en. Accessed 14 November 2018."},{"key":"10.1016\/j.jbusres.2020.10.035_b0320","unstructured":"Statistics Portugal (2019). 17.2% at-risk-of poverty - 2019. https:\/\/www.ine.pt\/xportal\/xmain?xpid=INE&xpgid=ine_destaques&DESTAQUESdest_boui=354099803&DESTAQUEStema=5414278&DESTAQUESmodo=2. Accessed June 14 2020."},{"key":"10.1016\/j.jbusres.2020.10.035_b0325","doi-asserted-by":"crossref","first-page":"30","DOI":"10.1016\/j.jbef.2017.04.002","article-title":"Does self-control predict financial behavior and financial well-being?","volume":"14","author":"Str\u00f6mb\u00e4ck","year":"2017","journal-title":"Journal of Behavioral and Experimental Finance"},{"key":"10.1016\/j.jbusres.2020.10.035_b0330","first-page":"53","article-title":"Consumer credit delinquency risk: Characteristics of consumers who fall behind","volume":"10","author":"Sullivan","year":"1988","journal-title":"Journal of Retail Banking"},{"key":"10.1016\/j.jbusres.2020.10.035_b0335","series-title":"Nudge: Improving decisions about health, wealth, and happiness","author":"Thaler","year":"2008"},{"issue":"2","key":"10.1016\/j.jbusres.2020.10.035_b0340","doi-asserted-by":"crossref","first-page":"285","DOI":"10.1016\/0167-4870(93)90004-5","article-title":"The use and abuse of consumer credit: Application of psychological theory and research","volume":"14","author":"Tokunaga","year":"1993","journal-title":"Journal of Economic Psychology"},{"key":"10.1016\/j.jbusres.2020.10.035_b0345","doi-asserted-by":"crossref","first-page":"541","DOI":"10.1002\/bdm.1973","article-title":"Real-world correlates of performance on heuristics and biases tasks in a community sample","volume":"30","author":"Toplak","year":"2017","journal-title":"Journal of Behavioral Decision Making"},{"key":"10.1016\/j.jbusres.2020.10.035_b0350","unstructured":"United Nations (2019a). Ending Poverty. https:\/\/www.un.org\/en\/sections\/issues-depth\/poverty\/ Accessed 23 April 2019."},{"key":"10.1016\/j.jbusres.2020.10.035_b0355","unstructured":"United Nations (2019b). The Sustainable Development Agenda. https:\/\/www.un.org\/sustainabledevelopment\/development-agenda\/ Accessed 23 April 2019."},{"key":"10.1016\/j.jbusres.2020.10.035_b0360","doi-asserted-by":"crossref","unstructured":"Van Staveren, I. (2002). Global finance and gender. Paper presented at the Gender Budgets, Financial Markets, Financing for Development conference, Berlin.","DOI":"10.4324\/9780203219713_chapter_14"},{"issue":"4","key":"10.1016\/j.jbusres.2020.10.035_b0365","doi-asserted-by":"crossref","first-page":"537","DOI":"10.1086\/510228","article-title":"Spent resources: Self-regulatory resource availability affects impulse buying","volume":"33","author":"Vohs","year":"2007","journal-title":"Journal of Consumer Research"},{"issue":"3","key":"10.1016\/j.jbusres.2020.10.035_b0370","doi-asserted-by":"crossref","first-page":"249","DOI":"10.1111\/1467-9280.00250","article-title":"Self-Regulatory Failure: A Resource-Depletion Approach","volume":"11","author":"Vohs","year":"2000","journal-title":"Psychological Science"},{"issue":"4","key":"10.1016\/j.jbusres.2020.10.035_b0375","doi-asserted-by":"crossref","first-page":"909","DOI":"10.1080\/00213624.2000.11506321","article-title":"Corporate power and the evolution of consumer credit","volume":"34","author":"Watkins","year":"2000","journal-title":"Journal of Economic Issues"},{"issue":"5","key":"10.1016\/j.jbusres.2020.10.035_b9010","doi-asserted-by":"crossref","first-page":"1562","DOI":"10.1016\/j.jbusres.2015.10.017","article-title":"Effects of big data analytics and traditional marketing analytics on new product success: A knowledge fusion perspective","volume":"69","author":"Xu","year":"2016","journal-title":"Journal of Business Research"},{"key":"10.1016\/j.jbusres.2020.10.035_b0380","doi-asserted-by":"crossref","unstructured":"Zhao, J. & Tomm, B. (2018). Psychological responses to scarcity. Oxford Research Encyclopedia of Psychology. New York: Oxford University Press.","DOI":"10.1093\/acrefore\/9780190236557.013.41"}],"container-title":["Journal of Business Research"],"original-title":[],"language":"en","link":[{"URL":"https:\/\/api.elsevier.com\/content\/article\/PII:S0148296320306949?httpAccept=text\/xml","content-type":"text\/xml","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/api.elsevier.com\/content\/article\/PII:S0148296320306949?httpAccept=text\/plain","content-type":"text\/plain","content-version":"vor","intended-application":"text-mining"}],"deposited":{"date-parts":[[2025,9,27]],"date-time":"2025-09-27T07:32:25Z","timestamp":1758958345000},"score":1,"resource":{"primary":{"URL":"https:\/\/linkinghub.elsevier.com\/retrieve\/pii\/S0148296320306949"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2021,7]]},"references-count":83,"alternative-id":["S0148296320306949"],"URL":"https:\/\/doi.org\/10.1016\/j.jbusres.2020.10.035","relation":{},"ISSN":["0148-2963"],"issn-type":[{"value":"0148-2963","type":"print"}],"subject":[],"published":{"date-parts":[[2021,7]]},"assertion":[{"value":"Elsevier","name":"publisher","label":"This article is maintained by"},{"value":"Using artificial intelligence to overcome over-indebtedness and fight poverty","name":"articletitle","label":"Article Title"},{"value":"Journal of Business Research","name":"journaltitle","label":"Journal Title"},{"value":"https:\/\/doi.org\/10.1016\/j.jbusres.2020.10.035","name":"articlelink","label":"CrossRef DOI link to publisher maintained version"},{"value":"article","name":"content_type","label":"Content Type"},{"value":"\u00a9 2020 Elsevier Inc. All rights reserved.","name":"copyright","label":"Copyright"}]}}