Tian Lu

Department of Information Systems, Arizona State University

Assistant Professor

Tempe, AZ 85287

United States

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

SCHOLARLY PAPERS

21

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SSRN CITATIONS
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Top 38,799

in Total Papers Citations

26

CROSSREF CITATIONS

0

Ideas:
“  My research interests center around dynamically learning the interaction between humans, algorithms, and IT applications, leading to adaptive decision-making. My research projects focus on the business impact of big data and AI, with effective solutions aimed at improving economic and social welfare in emerging business models like Fintech, sharing economy, and e-commerce. Currently, I am exploring human–AI collaboration issues in diverse contexts.  ”

Scholarly Papers (21)

1.

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, Department of Information Systems, Arizona State University, Fudan University and Tencent Weixin Group
Downloads 591 (88,148)

Abstract:

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

2.

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
Department of Information Systems, Arizona State University and Peking University - Guanghua School of Management
Downloads 551 (96,282)

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

3.

Human-Algorithmic Bias: Source, Evolution, and Impact

Number of pages: 48 Posted: 29 Aug 2022 Last Revised: 22 Dec 2022
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 Department of Information Systems, Arizona State University
Downloads 296 (195,507)

Abstract:

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

4.

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
Department of Information Systems, Arizona State University, Fudan University, School of Management, Fudan University and Massachusetts Institute of Technology (MIT)
Downloads 234 (247,322)

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

5.

Inclusive Decision Making via Contrastive Learning and Domain Adaptation

Number of pages: 38 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 Department of Information Systems, Arizona State University
Downloads 194 (294,389)
Citation 1

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

6.

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

Number of pages: 43 Posted: 28 Apr 2023 Last Revised: 19 Dec 2023
Fudan University - School of Management, Arizona State University (ASU) - W.P. Carey School of Business, Soochow University and Department of Information Systems, Arizona State University
Downloads 163 (343,327)

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Graph data, Information sharing, Model sharing, Pre-training model, Privacy, Social networks

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), Department of Information Systems, Arizona State University, Carnegie Mellon University - H. John Heinz III School of Public Policy and Management and Fudan University
Downloads 153 (361,986)

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

8.

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, Department of Information Systems, Arizona State University, City University of Hong Kong and Ant Financial
Downloads 124 (427,062)

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

9.

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
Department of Information Systems, Arizona State University, Fudan University and Fudan University - School of Management
Downloads 120 (437,760)
Citation 1

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

10.

Can Reciprocal Wisdom Come True? Exploring Human Responses to AI Capability Augmentation

Number of pages: 51 Posted: 11 Dec 2022 Last Revised: 18 Jan 2024
Department of Information Systems, Arizona State University, Fudan University, Fudan University and Singapore Management University - School of Computing and Information Systems
Downloads 116 (448,908)
Citation 1

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

11.

What Makes a Review Both Remunerative and Helpful? An Empirical Study of Review Sentiment and Information Richness

Number of pages: 45 Posted: 01 May 2023 Last Revised: 12 Jul 2023
Huazhong Universtiy of Science and Technology, Department of Information Systems, Arizona State University, Peking University - Guanghua School of Management and Fudan University - School of Management
Downloads 114 (454,835)

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Cognitive Tuning Theory, Consumer Purchasing, Experimental Design, Information Richness, Resource-matching Theory, Review Helpfulness, Sentiment

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, Department of Information Systems, Arizona State University and Peking University - Guanghua School of Management
Downloads 93 (532,412)

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

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

NET Institute Working Paper No. 23-01
Number of pages: 43 Posted: 30 Nov 2023
Nanyang Business School, NTU, Nanyang Business School, Nanyang Technological University, Singapore, Department of Information Systems, Arizona State University and Peking University - Guanghua School of Management
Downloads 21 (1,015,095)

Abstract:

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Mobile adoption, Cognitive load theory, Peer-to-peer lending, Two-sided behavior, Field experiment

13.

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
Department of Information Systems, Arizona State University, Fudan University, Fudan University - School of Management and Fudan University
Downloads 112 (460,915)

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

14.

Learning Path Matters: A Field Experiment on Strategies for Selling Data Products

Number of pages: 38 Posted: 09 Mar 2023 Last Revised: 14 Apr 2024
Department of Information Systems, Arizona State University, Beijing Foreign Studies University, Fudan University - School of Management, University of Houston and Beijing Colorful Clouds Technology Co., Ltd
Downloads 106 (479,745)

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{Data sales, Data value, Field experiment, Behavioral Learning Theory, Learning Curve Theory, User Education

15.

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, Department of Information Systems, Arizona State University and Fudan University
Downloads 100 (499,737)
Citation 24

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Natural Field Experiment, P2P Lending, Prosocial Compliance

16.

A User Purchase Motivation-Aware Recommender System

Number of pages: 41 Posted: 15 Apr 2024
Jiarong Xu, Jiaan Wang and Tian Lu
Fudan University - School of Management, Soochow University and Department of Information Systems, Arizona State University
Downloads 50 (728,340)

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

17.

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 Department of Information Systems, Arizona State University
Downloads 39 (804,036)
Citation 2

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

18.

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, Department of Information Systems, Arizona State University and Arizona State University - W.P. Carey School of Business

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

19.

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, Department of Information Systems, Arizona State University, Tencent Weixin Group and Tencent Weixin Group

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

20.

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 Department of Information Systems, Arizona State University

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

21.

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
Department of Information Systems, Arizona State University, Peking University - Guanghua School of Management and Carnegie Mellon University - H. John Heinz III School of Public Policy and Management

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