Credit unions have become an important component of the American financial system, with more than 10% of all savings deposits and non-revolving consumer loans; as well as some 12% of all depository institution employees. With nearly any measure of depository institution market share, credit...

Small businesses have long relied upon banks to produce sufficient information to be able to profitably lend to them. In recent years information production has also taken place among information service bureaus, such as Dun and Bradstreet (D&B). There has been some evidence to suggest that...

Financial service providers have increasingly offered customers new remote access to such services, with internet banking being the latest example. While internet banking has been available for years, the early adoption by customers of this technology was disappointing to most. This paper...

Due to a growing number of initiatives and regulations, predictions of modern Artificial Intelligence (AI) systems increasingly come with explanations about why they behave the way they do. In this paper, we explore the impact of feature-based explanations on users' information processing. We...

With free delivery of products virtually being a standard in E-commerce, product returns pose a major challenge for online retailers and society. For retailers, product returns involve significant transportation, labor, disposal, and administrative costs. From a societal perspective, product...

In current discussions on large language models (LLMs) such as GPT, understanding their ability to emulate facets of human intelligence stands central. Using behavioral economic paradigms and structural models, we investigate GPT's cooperativeness in human interactions and assess its rational...