Tian Lu

Arizona State University (ASU) - Department of Information Systems

Tempe, AZ

United States

http://isearch.asu.edu/profile/tianlu1

SCHOLARLY PAPERS

25

DOWNLOADS
Rank 22,729

SSRN RANKINGS

Top 22,729

in Total Papers Downloads

4,831

TOTAL CITATIONS
Rank 36,591

SSRN RANKINGS

Top 36,591

in Total Papers Citations

30

Ideas:
“  My research interests center around dynamically learning the interaction between humans, algorithms, and IT applications, leading to adaptive decision-making in high-stakes contexts. My research is driven by mindful AI, aiming to develop principled innovations that enhance both economic and social welfare in emerging business models like Fintech, sharing economy, and e-commerce. Currently, I have a particular interest in human–AI collaboration issues in diverse contexts.  ”

Scholarly Papers (25)

1.

1 1 > 2? Information, Humans, and Machines

Number of pages: 68 Posted: 28 Mar 2022 Last Revised: 18 Mar 2024
Tian Lu and Yingjie Zhang
Arizona State University (ASU) - Department of Information Systems and Peking University - Guanghua School of Management
Downloads 933 (54,847)

Abstract:

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Decision Making, Gender Biases, Human-Machine Collaboration, Information Processing, Machine Interpretations, Micro-finance, Rethinking

2.

Insights from Niche Markets: Explainable and Predictive Value of Consumption Tendency in Credit Risk Assessment

Number of pages: 46 Posted: 27 Jun 2022
Fudan University - School of Management, Fudan University, Peking University - Guanghua School of Management, Arizona State University (ASU) - Department of Information Systems, Fudan University and Tencent Weixin Group
Downloads 619 (94,081)

Abstract:

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Attention Model, Consumption Tendency, Credit Risk, Micro-Finance, Niche Category, Self-Regulation

3.

Human-Algorithmic Bias: Source, Evolution, and Impact

Number of pages: 54 Posted: 29 Aug 2022 Last Revised: 03 Dec 2024
Xiyang Hu, Yan Huang, Beibei Li and Tian Lu
Carnegie Mellon University, Carnegie Mellon University - David A. Tepper School of Business, Carnegie Mellon University - H. John Heinz III School of Public Policy and Management and Arizona State University (ASU) - Department of Information Systems
Downloads 480 (129,041)

Abstract:

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Algorithmic Bias, Human Bias, Machine Learning, Structural Modeling, Micro-lending

4.

Augmented Algorithms, Adaptive Humans? Evidence from a Natural Experiment

Number of pages: 60 Posted: 11 Dec 2022 Last Revised: 21 Nov 2024
Arizona State University (ASU) - Department of Information Systems, Fudan University, Fudan University and Singapore Management University - School of Computing and Information Systems
Downloads 303 (217,426)
Citation 1

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Algorithm Capability Augmentation, Human Experience, Human Adaptation, Human-Algorithm Collaboration, On-demand Food Delivery, Self-regulation

5.

Being Emotionally Supportive: Exploring the Value of Emotional Appeals Retargeting in Recovering Consumers of Financial Services

Production and Operations Management, Forthcoming
Number of pages: 47 Posted: 15 Jul 2021 Last Revised: 30 Nov 2023
Arizona State University (ASU) - Department of Information Systems, Fudan University, School of Management, Fudan University and Massachusetts Institute of Technology (MIT)
Downloads 284 (231,975)

Abstract:

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Credibility, Emotional Appeals, Empathy, Financial Technology, Microloan, Platform Operation, Privacy, Retargeting

6.

Inclusive Decision Making via Contrastive Learning and Domain Adaptation

Number of pages: 50 Posted: 05 Jul 2023
Xiyang Hu, Yan Huang, Beibei Li and Tian Lu
Carnegie Mellon University, Carnegie Mellon University - David A. Tepper School of Business, Carnegie Mellon University - H. John Heinz III School of Public Policy and Management and Arizona State University (ASU) - Department of Information Systems
Downloads 277 (238,011)
Citation 1

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Contrastive Learning, Domain Adaptation, FinTech, Inclusion, Representation Bias

7.

When Less Is More? Deep Reinforcement Learning-Based Optimization of Debt Collection

Number of pages: 40 Posted: 26 Jun 2023
City University of Hong Kong (CityU), Arizona State University (ASU) - Department of Information Systems, Carnegie Mellon University - H. John Heinz III School of Public Policy and Management and Fudan University
Downloads 269 (245,260)

Abstract:

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Debt collection, Deep reinforcement learning, FinTech, Microfinance, Sequential optimization

8.

Toward Graph Data Collaboration in a Data-Sharing-Free Manner: A Novel Privacy-Preserving Graph Pre-training Model

INFORMS Journal on Computing, Forthcoming
Number of pages: 35 Posted: 28 Apr 2023 Last Revised: 30 Apr 2025
Fudan University - School of Management, Soochow University, Arizona State University (ASU) - W.P. Carey School of Business and Arizona State University (ASU) - Department of Information Systems
Downloads 244 (270,492)

Abstract:

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Data collaboration, Model sharing, Pre-training model, Privacy preservation

Mobile Effects on Interrelated Two-Sided Financial Decisions: Comprehensive Evidence from Field Experiments on Peer-to-Peer Lending Platforms

Number of pages: 39 Posted: 19 Apr 2023 Last Revised: 04 Mar 2024
Nanyang Business School, NTU, Nanyang Business School, Nanyang Technological University, Singapore, Arizona State University (ASU) - Department of Information Systems and Peking University - Guanghua School of Management
Downloads 137 (455,004)

Abstract:

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mobile adoption; cognitive load theory; credit risk management; peer-to-peer lending; two-sided behavior; field experiment

Mobile Effects on Interrelated Two-Sided Financial Decisions: Comprehensive Evidence from Field Experiments on Peer-to-Peer Lending Platforms

NET Institute Working Paper No. 23-01
Number of pages: 53 Posted: 30 Nov 2023 Last Revised: 16 Feb 2025
Nanyang Business School, NTU, Nanyang Business School, Nanyang Technological University, Singapore, Arizona State University (ASU) - Department of Information Systems and Peking University - Guanghua School of Management
Downloads 64 (762,721)

Abstract:

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Mobile adoption, Cognitive load theory, Peer-to-peer lending, Chain of effects, Field experiments

10.

User Education as Operational Levers: A Field Experiment on Selling Data Products

Number of pages: 38 Posted: 09 Mar 2023 Last Revised: 13 Oct 2024
Arizona State University (ASU) - Department of Information Systems, Beijing Foreign Studies University, Fudan University - School of Management, University of Houston and Beijing Colorful Clouds Technology Co., Ltd
Downloads 156 (408,448)

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Behavioral Learning, Data Product Operation, Data Value, Field Experiment, User Education

11.

Can Social Notifications Help to Mitigate Payment Delinquency in Online Peer-to-Peer Lending?

Production and Operations Management
Number of pages: 46 Posted: 27 Feb 2021 Last Revised: 27 Jan 2023
Fudan University, Arizona State University (ASU) - Department of Information Systems, City University of Hong Kong and Ant Financial
Downloads 156 (408,448)

Abstract:

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Social notification, Peer-to-peer lending, Social sanction, Social support, Collection tactic, Randomized field experiment, Frailty model

12.

Your Posts Expose You: Theory-Driven Approach to Credit Risk Prediction for Microloans Based on Social Media Content

Number of pages: 57 Posted: 23 Jun 2022
Arizona State University (ASU) - Department of Information Systems, Fudan University, Fudan University - School of Management and Fudan University
Downloads 148 (426,569)

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Credit Risk; Default; Microloan; Psychological Feature; Social Media; Theory-Driven Feature

13.

Prosocial Compliance in P2P Lending: A Natural Field Experiment

Management Science
Number of pages: 42 Posted: 18 Feb 2021
affiliation not provided to SSRN, Fudan University, Arizona State University (ASU) - Department of Information Systems and Fudan University
Downloads 140 (446,172)
Citation 26

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Natural Field Experiment, P2P Lending, Prosocial Compliance

14.

The Little Bid More, The Merrier? Quantifying the Effects of Filler-Item Recommendations in Contingent Free Shipping

Electronic Commerce Research and Applications, forthcoming
Number of pages: 44 Posted: 19 May 2022 Last Revised: 11 Sep 2023
Tian Lu, Xianghua Lu and Yifan Dou
Arizona State University (ASU) - Department of Information Systems, Fudan University and Fudan University - School of Management
Downloads 136 (456,641)

Abstract:

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E-commerce, Online Shopping, Contingent Free-Shipping, Filler-item Recommendation, Fill-in Purchase

15.

A User Purchase Motivation-Aware Product Recommender System

Number of pages: 63 Posted: 15 Apr 2024 Last Revised: 18 Feb 2025
Jiarong Xu, Jiaan Wang and Tian Lu
Fudan University - School of Management, Soochow University and Arizona State University (ASU) - Department of Information Systems
Downloads 129 (476,552)

Abstract:

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Recommendation, User purchase motivation, Graph neural network, Deep learning

16.

Fluency is the Key: AI Agent Language Dynamics on Customer Satisfaction and Transfer Requests

Number of pages: 53 Posted: 13 Aug 2024 Last Revised: 11 Jan 2025
Arizona State University (ASU) - Department of Information Systems, Arizona State University (ASU) - W.P. Carey School of Business, affiliation not provided to SSRN and Arizona State University (ASU) - Department of Information Systems
Downloads 113 (527,592)

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AI agent language strategies, information processing fluency, problem-solving, customer satisfaction, customer transfer request

17.

Enhancing Product Information Access in Physical Retail Operations: How Do Scan & Go Technologies Affect Consumers’ In-store Purchases?

Decision Sciences, Forthcoming
Number of pages: 50 Posted: 07 Feb 2025 Last Revised: 20 Mar 2025
Shanghai Jiao Tong University - Antai College of Economics and Management, Arizona State University (ASU) - W.P. Carey School of Business, Fudan University and Arizona State University (ASU) - Department of Information Systems
Downloads 79 (667,590)

Abstract:

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Scan & Go, Retail operations, Mobile technologies, In-store purchases, Information augmentation

18.

The Power of Disagreement: A Field Experiment to Investigate Human-Algorithm Collaboration in Loan Evaluations

Management Science, Forthcoming
Number of pages: 64 Posted: 24 Apr 2025 Last Revised: 28 Apr 2025
University of Texas at Dallas, Peking University - Guanghua School of Management and Arizona State University (ASU) - Department of Information Systems
Downloads 75 (698,043)

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Human-Algorithm Collaboration, Disagreement, Collaborative Value, Mechanism Detection, Randomized Field Experiment

19.

Examining the Spillover Effect of Sustainable Consumption on Microloan Repayment: A Big Data-based Research

Information & Management
Number of pages: 38 Posted: 18 Feb 2021
Yuanqiang Ye, Xianghua Lu and Tian Lu
Fudan University - School of Management, Fudan University and Arizona State University (ASU) - Department of Information Systems
Downloads 56 (802,079)
Citation 2

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Sustainable Consumption, Green Consumer, Social Value, Credit Assessment, Microloan

20.

Unraveling Human-AI Teaming: A Review and Outlook

Number of pages: 39 Posted: 28 Apr 2025
Marshall School of Business - University of Southern California, Arizona State University (ASU) - Department of Information Systems, Arizona State University - W. P. Carey School of Business and Peking University - Guanghua School of Management
Downloads 27 (1,071,754)

Abstract:

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Artificial Intelligence, AI Agent, Human-AI Teaming, Situation Awareness, Research Outlook

21.

Social Media Meets FinTech Platforms: How Do Online Emotions Support Credit Risk Decision-Making?

Decision Support Systems, Forthcoming
Number of pages: 41 Posted: 14 Jun 2022 Last Revised: 03 May 2025
Arizona State University (ASU) - W.P. Carey School of Business, Boston University - Questrom School of Business, Peking University - Guanghua School of Management, Arizona State University (ASU) - Department of Information Systems and Fudan University
Downloads 6 (1,305,039)

Abstract:

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Credit Risk Management, Decision-Making, Emotion, FinTech Business, Social Media

22.

Bike-Sharing Systems’ Spillover Effects in Local Communities: An Analysis of Business Foot Traffic

Posted: 08 May 2024
Arizona State University (ASU) - W.P. Carey School of Business, Arizona State University (ASU) - Department of Information Systems and Arizona State University - W.P. Carey School of Business

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Bike-Share, Mobility, Local Economy, Store Footfall, Platform Operations

23.

Brake or Step on the Gas? Empirically Analyzing Dynamic Effects of Credit on Individual Consumption

Posted: 26 Jul 2022 Last Revised: 15 Mar 2023
Fudan University - School of Management, Peking University - Guanghua School of Management, Arizona State University (ASU) - Department of Information Systems, Tencent Weixin Group and Tencent Weixin Group

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Consumer credit, consumption patterns, time-varying effect, spillover effect, regulatory focus theory

24.

Leveraging Multi-Source Heterogeneous Data for Financial Risk Prediction: A Novel Hybrid-Strategy-Based Self-Adaptive Method

MIS Quarterly
Posted: 08 Mar 2021 Last Revised: 30 Nov 2023
Hefei University of Technology, Fudan University - School of Management, University of Wisconsin - Milwaukee - Sheldon B. Lubar School of Business, Hefei University of Technology, Hefei University of Technology - Key Laboratory of Process Optimization and Intelligent Decision-Making (MOE) and Arizona State University (ASU) - Department of Information Systems

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Financial risk prediction, soft information, ensemble learning, hybrid learning strategy, adaptive integration, adaptive aggregation

25.

Profit vs. Equality? The Case of Financial Risk Assessment and A New Perspective on Alternative Data

MIS Quarterly
Posted: 18 Feb 2021 Last Revised: 01 Dec 2023
Tian Lu, Yingjie Zhang and Beibei Li
Arizona State University (ASU) - Department of Information Systems, Peking University - Guanghua School of Management and Carnegie Mellon University - H. John Heinz III School of Public Policy and Management

Abstract:

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Credit Risk, Alternative Data, Financial Trade-off, Financial Inclusion, Profitability, Equality, Biases, Counterfactual Simulated Experiment