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Hierarchical timed colored petri-net based modeling and evaluation of a bank credit monitoring system

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dc.contributor.author Mnaouer, Adel Ben
dc.contributor.author Wanis, Marina M.
dc.contributor.author Aloqaily, Moayad
dc.date.accessioned 2020-04-13T18:56:41Z
dc.date.available 2020-04-13T18:56:41Z
dc.date.copyright 2019
dc.date.issued 2019-11
dc.identifier.citation Mnaouer, A. B., Wanis, M. M., & Aloqaily, M. (2019). Hierarchical Timed Colored Petri-Net Based Modeling and Evaluation of a Bank Credit Monitoring System. In 2019 IEEE/ACS 16th International Conference on Computer Systems and Applications (AICCSA) (pp. 1-7). https://doi.org/10.1109/AICCSA47632.2019.9035329 en_US
dc.identifier.isbn 978-172815052-9
dc.identifier.issn 21615322
dc.identifier.uri https://doi.org/10.1109/AICCSA47632.2019.9035329
dc.identifier.uri http://hdl.handle.net/20.500.12519/204
dc.description This conference paper is not available at CUD collection. The version of scholarly record of this conference paper is published in 2019 IEEE/ACS 16th International Conference on Computer Systems and Applications (AICCSA) (2019), available online at: https://doi.org/10.1109/AICCSA47632.2019.9035329 en_US
dc.description.abstract Non-performing assets (NPAs) or bad loans limit the banks from lending to new borrowers. As a result, this would slow down the credit utilization that ends up lowering the deposit interest rates and raising the lending rates, thus, discouraging authentic borrowers. This paper presents a Hierarchical Timed Colored Petri Net (HTCPN) based model that simulates an intelligent agents system which automates credit monitoring and follow-ups by relationship managers (RMs) in bank branches. Efficient follow-ups help the RMs track the borrower's repayment and assess the current values of their counter-assets regularly. In case any loan is kept unattended by the responsible RM, an automated reporting escalation is initiated according to an escalation matrix when due checking time is reached. The HTCPN helped model the expected behaviour of the intelligent agents system used for loan monitoring and also allowed to model a scoring system that is used to monitor the performance of the RMs in handling the loans under their authority and the punctuality of their actions. The performance evaluation through cpn tools simulation resulted in performance ranking and scoring of the RMs, and helped collect statistics on the overall performance of the bank that pointed out to the stages and locations where the flaws are more severe thus providing decision support utilities. © 2019 IEEE. en_US
dc.language.iso en en_US
dc.publisher IEEE Computer Society en_US
dc.relation Authors Affiliations : Ben Mnaouer, A., Canadian University Dubai, United Arab Emirates; Wanis, M.M., Canadian University Dubai, United Arab Emirates; Aloqaily, M., Gnowit Inc., Ottawa, ON, Canada
dc.relation.ispartofseries 2019 IEEE/ACS 16th International Conference on Computer Systems and Applications (AICCSA);
dc.rights Permission to reuse abstract has been secured from IEEE Computer Society.
dc.rights.uri https://www.ieee.org/publications/rights/rights-policies.html
dc.subject Bank Credit en_US
dc.subject CPN en_US
dc.subject Loan Monitoring en_US
dc.subject Timed Colored Petri Net en_US
dc.subject Decision support systems en_US
dc.subject Intelligent agents en_US
dc.subject Petri nets en_US
dc.subject Decision supports en_US
dc.subject Hierarchical timed colored Petri net en_US
dc.subject Interest rates en_US
dc.subject Monitoring system en_US
dc.subject Performance rankings en_US
dc.subject Scoring systems en_US
dc.subject Monitoring en_US
dc.title Hierarchical timed colored petri-net based modeling and evaluation of a bank credit monitoring system en_US
dc.type Other en_US
dc.rights.holder Copyright : 2019 IEEE. Personal use of this material is permitted. Permission from IEEE must be obtained for all other uses, in any current or future media, including reprinting/republishing this material for advertising or promotional purposes, creating new collective works, for resale or redistribution to servers or lists, or reuse of any copyrighted component of this work in other works.


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