IPRC - 2019
Permanent URI for this collectionhttp://repository.kln.ac.lk/handle/123456789/20881
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Item Personality Trait Model to Assess Creditworthiness(International Postgraduate Research Conference 2019, Faculty of Graduate Studies, University of Kelaniya, Sri Lanka, 2019) Mawela, M.R.T.D.; Peter, S.; Niwunhella, H.Despite the fact that financial institutions evaluate the creditworthiness of loan applicants a significant number of them fail or fall behind on their promised payments. While in some cases, this could be due to unforeseen external circumstances, inherent internal characteristics of the applicant also contributes towards this delinquency. A non-performing loan (NPL) is an amount of borrowed money upon which the borrower has failed to meet the scheduled payment, generally 90 or more days. The NPLs of financial institutions over the last few years have been rising, despite even stringent requirements enforced by the regulatory authorities. This rising proportion of non-performing loans, if left unchecked could lead to a systematic failure of the banking system and could have a catastrophic impact on the economy. Therefore, there is a need for a model that could filter applicants who could potentially default. Lending takes place when trust is developed between lender and the borrower. Studies carried out previously have put forward various quantitative and qualitative models upon broad microeconomic and demographic factors to assess lender borrower trust. However, the impact of personality characteristics of the borrower has not been sufficiently exploited in this regard. Trust is a complicated behaviour which has been defined from different perspectives in numerous disciplines. Literature depicts that trustworthiness of the trustee is a key antecedent of trust. The study proposes an integrated model to assess the trustworthiness of the borrower based on their personality characteristics. The study modifies the HEXACO personality model by including guilt proneness as the seventh dimension to the model. A systematic set of hypotheses are formulated on the basis of the conceptual model and a framework is developed to analyse the impact of personality traits on trustworthiness. The developed model has been initially validated through expert opinion and is validated through an empirical study using a survey questionnaire intended to capture personality traits using modified HEXACO model and trustworthiness using David Maister’s trust equation administered to a sample of loan eligible people. Furthermore, data obtained from financial institutes engaged in lending business will also be used in the validation process.Item A Trust Framework for Social Networks in MANET Environment(International Postgraduate Research Conference 2019, Faculty of Graduate Studies, University of Kelaniya, Sri Lanka, 2019) Mayadunna, H.; Liyanage, S.R.The improvement of online social networks such as Facebook, Twitter, Instagram has been expanded the idea of using social networks wider. The utilization of mobile phones of general public that given access to social networks makes such platforms popular. Node to node communication in a network gives a discussion to their individuals to associate with different individuals in the systems and share hobbies, opinions, and educational involvements including daily experiences. A significant number of these online social networks are operated with the point of associating to connect many people. Hence, it is important to enhance trustworthiness in social networks. This research is focusing on implementing a trust factor in the device layer. Information within the social networks can be used to get additional trust value for the devices. Hence trust can be calculated at the upper layers to be used at the device level. Thereby, research has developed a social trust framework to allow MANET (Mobile Ad-hoc Network) environment to move cross layer to find trust-related information which can be used at the device level for decision making. The captured social network behavior will provide an indication of how trustworthy the same device by capturing upper layer information. The intent of this research project is to create a trust layer on top of a social environment, in order to achieve the advantages of trustworthy connections. A network structure has been developed in order to complete that achievement. Prior to that, information of Facebook personal friend networks has been extracted and analyzed. Analyzing the parameters which are related to security of the social network is done through a literature survey. While examining the information from social networks, appropriate security-related parameters were selected with their possible states and values. A social network is a group of people or organizations or other entities that connected by a social relationship including friendship, information exchange or corporative working. Social network analysis is the process of mapping and measuring relationships, interactions and flows between people, groups, organizations or other social entities. In general, social network trust can be defined as a measure of confidence that an entity or entities behaves in an expected manner. The research work is reviewing the definitions and measures of trust by focusing on social networks where it can be utilizing within further achievements such as improving security within any kind of network