Research

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Notes: * Equal contribution; † Corresponding author; ‡ Students when the project was initiated

Featured Publications

[1] Human-Algorithmic Bias: Source, Evolution, and Impact

          Xiyang Hu, Yan Huang, Beibei Li, Tian Lu*, Management Science, 2025, published online.  [CIST 2021 Best Student Paper Award Finalist; Amazon AWS AI Research Grant 2023]

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

          Hongchang Wang, Yingjie Zhang, Tian Lu, Management Science, 2025, published online.

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

          Jiarong Xu, Jiaan Wang, Zenan Zhou, Tian Lu†, INFORMS Journal on Computing, 2025, published online.

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

          Tingting Song, Zenan Zhou, Xianghua Lu, Tian Lu*, Decision Sciences, 2025, published online. [CSWIM 2021 Best Paper Award]

[5] 1+1>2? Information, Humans, and Machines

          Tian Lu, Yingjie Zhang. Information Systems Research, 2025, 36(1): 394-418. [Media Report: Better Together: How AI Plus People Improves Some Decision-Making, W. P. Carey News]

[6] CauseRuDi: Explaining Behavior Sequence Models by Causal Statistics Generation and Rule Distillation

           Yao Zhang, Yun Xiong, Yiheng Sun, Tian Lu, etc., IEEE Transactions on Knowledge and Data Engineering, 2025, 37(1): 116-129. [Tencent Research Grant 2022]

[7] Being Emotionally Supportive: Exploring the Value of Emotional Appeals Retargeting in Recovering Consumers of FinTech Services 

          Tian Lu, Xianghua Lu, Hui Yang‡, Peter Yun Zhang. Production and Operations Management, 2024, 33(1): 166-183. 

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

          Tian Lu, Yingjie Zhang, Beibei Li. MIS Quarterly, 2023, 47(4): 1517-1556. [ICIS 2019 Best Paper Award; Facebook Research Grant 2019; Media Reports: Profit vs. Equity: Lenders Can Raise Both with Alternative Data, W.P. Carey News; The AI Revolution: Beyond the Industrial Age into Uncharted Territories, W. P. Carey Magazine] 

[9] Leveraging Multi-source Heterogeneous Data for Financial Risk Prediction: A Novel Hybrid-Strategy-based Self-adaptive Method

          Gang Wang, Gang Chen, Huimin Zhao, Feng Zhang, Shanlin Yang, Tian Lu. MIS Quarterly, 2021, 45(4): 1949-1998. 

[10] Can Social Notifications Help to Mitigate Payment Delinquency in P2P lending? A Randomized Field Experiment

          Xianghua Lu, Tian Lu, Chong Alex Wang, Ruofan Wu. Production and Operations Management, 2021, 30(8): 2564-2585.

[11] Prosocial Compliance in P2P Lending: A Natural Field Experiment

          Ninghua Du, Lingfang Ivy Li, Tian Lu*, Xianghua Lu. Management Science, 2020, 66(1): 315-333.

[12] Scientific Knowledge Communication in Online Q&A Communities: Linguistic Devices as a Tool to Increase the Popularity and Perceived Professionalism of Knowledge Contributions

          Yicheng Zhang, Tian Lu, Chee Wei Phang, Chenghong Zhang. Journal of the Association for Information Systems, 2019, 20(8): 1129–1173.

Papers Under Review/Revision

Topic I: Human–AI Collaboration

[13] Unraveling Human-AI Teaming: A Review and Outlook 

          Bowen Lou, Tian Lu*, T. S. Raghu, Yingjie Zhang, under major revision.

[14] Augmented Algorithms, Adaptive Humans? Evidence from a Natural Experiment

          Tian Lu, Xianghua Lu, Yiyu Huang, Hai Wang, under review. [INFORMS 2022 ISS Clusters Best Paper Award Shortlisted]

[15] Empathic Algorithm Collaboration: Decision Augmentation for Socially Consequential Decision-Making

          Thomas Ware‡, Tian Lu†, T. S. Raghu, Benjamin Shao, under review.

[16] Responsible Engagement: Organizational Strategy to Counteract Agency Reversal

          Thomas Ware‡, Tian Lu, T. S. Raghu, Benjamin Shao, under review.

[17] From Signal to Noise: How Widespread LLM Usage Transforms Evaluator Behavior in Credit Screening

          Paramveer Dhillon, Yi Gao, Tian Lu*, Yingjie Zhang, under review.

Topic II: FinTech

[18] Inclusive Decision Making via Contrastive Learning and Domain Adaptation

          Xiyang Hu, Yan Huang, Beibei Li, Tian Lu, under 3rd round review.

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

          Cenying Tracy Yang, Tian Lu†, Beibei Li, Xianghua Lu, under major revision. 

[20] From Credit to Savings: Spillover Effects of Credit on Individual Consumption with High-resolution Transaction Data

          Zenan Zhou, Jiayan Han‡, Yingjie Zhang, Tian Lu, reject & resubmit. [Tencent Research Grant 2021]

[21] Turning Triangulation into Opportunity: A Dual-Adversary Algorithm for Fair and Profitable Credit Risk Modeling

          Xiyang Hu, Yan Huang, Beibei Li, Tian Lu†, under review.

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

          Sihan Fang‡, Eric Hyeokkoo Kwon, Tian Lu, Yingjie Zhang, under review. [INFORMS 2023 ISS Clusters Best Paper Award Shortlisted; NET Institute Grant 2023]

Others: Unleashing Value of Innovative Technologies and Big Data

[23] A User Purchase Motivation-Aware Product Recommender System

          Jiarong Xu, Jiaan Wang, Hongzhe Zhang, Tian Lu†, under 3rd round review. 

[24] Orchestrating User Education in Data Product Service Systems to Enhance Engagement: A Field Experiment

          Tian Lu, Yifan Dou, Xiaoyu Ma, Feiteng Huang‡, Xingyuan Yuan, under review.

[25] Digital Fulfillment Meets Everyday Consumption: A Comprehensive Analysis of Household Response to Home Delivery Service Adoption

          Shasha Cao‡, Pei-yu Chen, Tian Lu†, T. S. Raghu, in manuscript drafting, under review. [Media Report: Grocery Deliveries Help People Go Out and Shop More, Chicago Booth Review]

Selected Work-in-Progress

Topic I: Human–AI Collaboration

[26] Incentive Contract Design to Maximize Human–AI Collaborative Value

          (with Dingwei Gu, Xianghua Lu, Yingjie Zhang), in analysis.

[27] Gatekeeping AI in Hierarchical Decisions: Stimulating Effort? Improving Outcomes?

          (with Peijian Song, Yingjie Zhang, Yinglin Ruan), in experiment.

[28] Disentangling User Learning with AI in High-Stakes Contexts

          In analysis.

Topic II: FinTech

Others: Unleashing Value of Innovative Technologies and Big Data

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

          Katsiaryna Siamionava, Reihane Boghrati, Jianlei Zhang, Tian Lu.

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

          Zenan Zhou, Tian Lu, Elliot Rabinovich, in manuscript drafting.

Selected Other Publications

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

      Zenan Zhou, Zhichen Chen, Yingjie Zhang, Tian Lu†, Xianghua Lu, Decision Support Sysems, 2025, 195: 114471.

The Higher Risk, The Higher Price? A Theoretical and Empirical Analysis of Pricing Strategy Effectiveness in P2P Lending Platforms

      Dingwei Gu, Tian Lu, Yingjie Zhang, Pinliang Luo, International Journal of Electronic Commerce, 2025, 29(1): 155-182.

Last Digit Tendency: Lucky Number and Psychological Rounding in Mobile Transactions. 

Hai Wang, Tian Lu*, Yingjie Zhang, Yue Wu, Yiheng Sun, Jingran Dong, and Wen Huang, Fundamental Research, 2025, 5(1): 370-378. 

Watch Your Wallet Closely with Online Microloans: A Two-Stage Model for Delinquency and Default Risk Assessment

      Jiayan Han‡, Tian Lu†, Yunjie Xu, Chenghong Zhang, Electronic Commerce Research, 2025, 25: 2923-2953. [PACIS 2017 Best Paper Award Runner Up]

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

      Tian Lu, Xianghua Lu, Yifan Dou, Electronic Commerce Research and Applications, 2023, 61, 101299. [CSWIM 2019 Best Paper Award Runner Up]

TransBoost: A Boosting-Tree Kernel Transfer Learning Algorithm for Improving Financial Inclusion

      Yiheng Sun, Tian Lu†, Cong Wang, Yuan Li, Jingran Dong, Yunjie Xu, 36th AAAI Conference on Artificial Intelligence (AAAI 2022).

RuDi: Explaining Behavior Sequence Models by Automatic Statistics Generation and Rule Distillation

      Yao Zhang, Yun Xiong, Yiheng Sun, Caihua Shan, Tian Lu, etc., 31st ACM International Conference on Information and Knowledge Management (CIKM-2022).

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

      Yuanqiang Ye, Xianghua Lu, Tian Lu*, Information and Management, 2022, 59(5): 103288. 

Internet Usage and Patient's Trust in Physician during Diagnoses: A Knowledge Power Perspective

      Tian Lu, Yunjie Xu, Scott Wallace, Journal of the Association for Information Science and Technology, 2018, 69(1): 110-120.