@article{butaru2016risk,
  author = {Florentin Butaru and Qingqing Chen and Brian J. Clark and Sanmay Das and Andrew W. Lo and Akhtar R. Siddique},
  title = {Risk and Risk Management in the Credit Card Industry},
  year = {2016},
  journal = {Journal of Banking and Finance},
  volume = {72},
  pages = "218-239",
  url_Paper = {http://www.sciencedirect.com/science/article/pii/S0378426616301340},
  keywords = {Supervised Learning, Risk Management},
}

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