This book develops a unifying model, in which most of the market and personal determinants are integrated and set into perspective. It is shown how the developed unifying model can be converted into the well-known logit/probit models with estimable parameters. In this way these latter models are...

Financial services play a key role in creating prosperity and welfare in our society. They facilitate a good life, but can also seriously frustrate it (see part 3 of this thought paper). This huge impact comes together with the responsibility to carefully consider the interests of all...