The Electronic Journal of Information Systems Evaluation provides critical perspectives on topics relevant to Information Systems Evaluation, with an emphasis on the organisational and management implications
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Journal Issue
Volume 11 Issue 1 / Mar 2008  pp1‑51

Editor: Dan Remenyi

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Causal Relationships between Improvements in Software Development Processes and Final Software Product Quality  pp1‑10

Rini van Solingen, Egon Berghout

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The Effect of Information Systems on Firm Performance and Profitability Using a Case‑Study Approach  pp11‑16

Mojisola Olugbode, Ibrahim Elbeltagi, Matthew Simmons, Tom Biss

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Heuristically Evaluating Greek e‑Tourism and e‑Museum Websites  pp17‑26

Fotis Lazarinis, Dimitris Kanellopoulos, Petros Lalos

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Determinants of Information Technology Diffusion: a Study at the Firm Level for Portugal  pp27‑34

Maria Fraga O. Martins, Tiago Oliveira

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Using the Probabilistic Model Checker PRISM to Analyze Credit Card Use  pp35‑44

Amani El Rayes, Mevliyar Er

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Abstract

Probabilistic model checking is a recent extension of traditional model‑checking techniques for the integrated analysis of both apply probabilistic model checking to study the effect of credit card companies on people's lives. We use the probabilistic model checking tool PRISM as the formal framework. This approach allows us to obtain performance measures on various policies. It allows us to obtain performance measures on various policies such as changes in the interest rate and its effect on the credit card loan entitlement of the card user, the effect of different repayment policies on the user's spending ability in the short and long run, the effect of different interest rates and different spending preferences on the loan in the short run, and the effect of different spending preferences and different repayment policies on the remaining balance in the long run. From the study we investigate the level of loans and the amount of instalments after which the card holder goes through a cycle of interest repayment only. That is heshe can not use the card to withdraw money any more but has to make interest payments on the debt. 

 

Keywords: credit card system, performability, probabilistic model checking, simulation

 

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e‑Commerce, Business Methods and Evaluation of Payment Methods in Nigeria  pp45‑50

Michael Adeyeye

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