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

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dc.contributor.authorMnaouer, Adel Ben
dc.contributor.authorWanis, Marina M.
dc.contributor.authorAloqaily, Moayad
dc.date.accessioned2020-04-13T18:56:41Z
dc.date.available2020-04-13T18:56:41Z
dc.date.copyright2019
dc.date.issued2019-11
dc.descriptionThis 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/AICCSA47632.2019.9035329en_US
dc.description.abstractNon-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.identifier.citationMnaouer, 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/AICCSA47632.2019.9035329en_US
dc.identifier.isbn978-172815052-9
dc.identifier.issn21615322
dc.identifier.urihttps://doi.org/10.1109/AICCSA47632.2019.9035329
dc.identifier.urihttp://hdl.handle.net/20.500.12519/204
dc.language.isoenen_US
dc.publisherIEEE Computer Societyen_US
dc.relationAuthors 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.ispartofseries2019 IEEE/ACS 16th International Conference on Computer Systems and Applications (AICCSA);
dc.rightsPermission to reuse abstract has been secured from IEEE Computer Society.
dc.rights.holderCopyright : 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.
dc.rights.urihttps://www.ieee.org/publications/rights/rights-policies.html
dc.subjectBank Crediten_US
dc.subjectCPNen_US
dc.subjectLoan Monitoringen_US
dc.subjectTimed Colored Petri Neten_US
dc.subjectDecision support systemsen_US
dc.subjectIntelligent agentsen_US
dc.subjectPetri netsen_US
dc.subjectDecision supportsen_US
dc.subjectHierarchical timed colored Petri neten_US
dc.subjectInterest ratesen_US
dc.subjectMonitoring systemen_US
dc.subjectPerformance rankingsen_US
dc.subjectScoring systemsen_US
dc.subjectMonitoringen_US
dc.titleHierarchical timed colored petri-net based modeling and evaluation of a bank credit monitoring systemen_US
dc.typeOtheren_US

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