Research

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

Featured Publications

• Lu Tian, Zhang Yingjie. 1+1>2? Information, Humans, and Machines. Information Systems Research, published online.

• Lu Tian, Lu Xianghua, Yang Hui‡, Peter Yun Zhang. Being Emotionally Supportive: Exploring the Value of Emotional Appeals Retargeting in Recovering Consumers of FinTech Services. Production and Operations Management, 2024, 3(1): 166–183. 

• Lu Tian, Zhang Yingjie, Li Beibei. Profit vs. Equality? The Case of Financial Risk Assessment and A New Perspective on Alternative Data. MIS Quarterly, 2023, 47(4): 1517-1556.

○ Facebook Economic Opportunity and Digital Platforms Research Grant 2019 

• Wang Gang, Chen Gang, Zhao Huimin, Zhang Feng, Yang Shanlin, Lu Tian.  Leveraging Multi-source Heterogeneous Data for Financial Risk Prediction: A Novel Hybrid-Strategy-based Self-adaptive Method. MIS Quarterly, 2021, 45(4): 1949-1998.

• Lu Xianghua, Lu Tian, Wang Alex Chong, Wu Ruofan. Can Social Notifications Help to Mitigate Payment Delinquency in P2P lending? A Randomized Field Experiment. Production and Operations Management, 2021, 30(8): 2564-2585.

• Du Ninghua*, Li Ivy Lingfang*, Lu Tian*, Lu Xianghua*. Prosocial Compliance in P2P Lending: A Natural Field Experiment. Management Science, 2020, 66(1): 315-333.

• Zhang Yicheng, Lu Tian, Phang Chee Wei, Zhang Chenghong. Scientific Knowledge Communication in Online Q&A Communities: Linguistic Devices as a Tool to Increase the Popularity and Perceived Professionalism of Knowledge Contributions. Journal of the Association for Information Systems, 2019, 20(8): 1129–1173.

• Sun Yiheng, Lu Tian†, Wang Cong, Li Yuan, Dong Jingran, Xu Yunjie. TransBoost: A Boosting-Tree Kernel Transfer Learning Algorithm for Improving Financial Inclusion. 36th AAAI Conference on Artificial Intelligence (AAAI 2022).

Papers Under Review/Revision

Stream I: Human–AI Collaboration

• Hu Xiyang*, Huang Yan*, Li Beibei*, Lu Tian*. Human-Algorithmic Bias: Source, Evolution, and Impact, under major revision.

○ Amazon AWS AI Research Grant 2023

• Wang Hongchang, Zhang Yingjie, Lu Tian. The Power of Disagreement: Empirical Examinations of Human-AI Collaboration Using A Field Experimental Design, under major revision.

• Lu Tian, Lu Xianghua, Huang Yiyu, Wang Hai. Can Reciprocal Wisdom Come True? Exploring Human Responses to AI Capability Augmentation, under review.

Stream II: FinTech

• Hu Xiyang‡, Huang Yan, Li Beibei, Lu Tian. Inclusive Decision Making via Contrastive Learning and Domain Adaptation, under major revision.

• Yang Tracy Cenying, Lu Tian†, Li Beibei, Lu Xianghua. When Less Is More? Deep Reinforcement Learning-Based Optimization of Debt Collection, under major revision. 

• Han Jiayan‡, Zhang Yingjie, Lu Tian, Sun Yiheng. From Credit to Savings: Spillover Effects of Credit on Individual Consumption with High-resolution Transaction Data, reject & resubmission.

○ Tencent Research Grant 2021

• Fang Sihan‡, Kwon Eric Hyeokkoo, Lu Tian, Zhang Yingjie. Mobile Effects on Interrelated Two-Sided Financial Decisions: Comprehensive Evidence from Field Experiments on Peer-to-Peer Lending Platforms, under review.

○ NET Institute Grant 2023

• Lu Tian, Chen Zhichen‡, Zhang Yingjie, Zhou Zenan, Lu Xianghua. Social Media Meets FinTech Platform Operations: How Do Online Emotions Benefit Credit Risk Management?, under review. 

• Li Wenwen*, Wu Yue*, Zhang Yingjie*, Lu Tian*, Xu Yunjie, Sun Yiheng. Insights from Niche Markets: Explainable and Predictive Value of the Consumption Tendency on Credit Risks, under major revision.

○ Tencent Research Grant 2022

• Zhang Yao, Xiong Yun, Sun Yiheng, Lu Tian, etc. CauseRuDi: Explaining Behavior Sequence Models by Causal Statistics Generation and Rule Distillation, under major revision.

Others (Unleashing Value of Innovative Technologies and Big Data)

• Xu Jiarong, Zhou Zenan, Wang Jiaan, Lu Tian†. Toward Graph Data Collaboration in a Data-Sharing-Free Manner: A Novel Privacy-Preserving Graph Pre-training Model, under 2nd review.

• Xu Jiarong, Wang Jiaan, Lu Tian†. A User Purchase Motivation-Aware Recommender System, under review. 

• Song Tingting, Lu Xianghua, Lu Tian, Zhou Zenan. Enhancing Product Information Access in Physical Retail Operations: How Do Scan & Go Technologies Affect Consumers’ In-store Purchases?, under review.

• Lu Tian, Dou Yifan, Ma Xiaoyu, Yuan Xingyuan, Huang Feiteng‡. Learning Path Matters: A Field Experiment on Strategies for Selling Data Products, under review.

Selected Working Papers

Stream I: Human–AI Collaboration

• Unraveling Human-AI Collaboration from Information Processing Perspectives: A Review and Outlook, in manuscript drafting. (with Lou Bowen, Zhang Yingjie, Raghu T. S.)

• Empathic Algorithm Delegation: Fostering Greater Effectiveness in Human-AI Collaboration, in experiment. (with Thomas Ware‡, Raghu T. S., Shao Benjamin)

• AI vs. Human Grading: An Examination of Efficacy and Student Reactions, in experiment. (with Chen Pei-yu, Gao Shuang‡, Geoff Pofahl)

Stream II: FinTech

• Credit Risk Modeling for Financial Profitability and Fairness: An Adversarial Deep Learning Model, manuscript completed. (with Hu Xiyang‡, Huang Yan, Li Beibei)

Others (Unleashing Value of Innovative Technologies and Big Data)

• The Impact of Home Delivery Services on Households' Consumption Behaviors: A Comprehensive Empirical Investigation, in manuscript drafting. (with Cao Shasha‡, Chen Pei-yu, Raghu T. S.)

• Bike-Share Mobility and Local Economy, in manuscript drafting. (with Zhou Zenan, Elliot Rabinovich)

• Unleashing the Power of Emojis in Texts via Self-supervised Graph Pre-Training, in data analysis. (with Xu Jiarong, Zhou Zenan, Reihane Boghrati)

Other Publications

• Wang Hai*, Lu Tian*, Zhang Yingjie*, Wu Yue*, Sun Yiheng, etc. Last Digit Tendency: Lucky Numbers and Psychological Rounding in Mobile Transactions, Fundamental Research.   

• Han Jiayan‡, Lu Tian†, Xu Yunjie, Zhang Chenghong. Watch Your Wallet Closely with Online Microloans: A Two-Stage Model for Delinquency and Default Risk Assessment, Electronic Commerce Research, forthcoming.

• Lu Tian, Lu Xianghua, Dou Yifan. The Little Bid More, The Merrier? Quantifying the Effects of Filler-Item Recommendations in Contingent-Free Shipping, Electronic Commerce Research and Applications, 2023, 61, 101299.

• Zhang Yao, Xiong Yun, Sun Yiheng, Shan Caihua, Lu Tian, Song Hui, Zhu Yangyong. RuDi: Explaining Behavior Sequence Models by Automatic Statistics Generation and Rule Distillation. 31st ACM International Conference on Information and Knowledge Management (CIKM-2022).

• Ye Yuanqiang*, Lu Xianghua*, Lu Tian*. Examining the Spillover Effect of Sustainable Consumption on Microloan Repayment: A Big-Data-Based Research. Information and Management, 2022, 59(5): 103288.

• Wang Xiaolun, Xu Yunjie, Lu Tian†, Zhang Chenghong. Why Do Borrowers Default on Online loans? An Inquiry of Their Psychology Mechanism. Internet Research, 2020, 30(4): 1203-1228. 

• Gu Jie, Wang Xiaolun, Lu Tian. I Like My App But I Wanna Try Yours: Exploring User Switching from A Learning Perspective. Internet Research, 2020, 30(2): 611-630.

• Gu Dingwei, Lu Tian†, Luo Pinliang, Zhang Chenghong. The Impact of Venture Capital Investment on the Performance of Peer-to-Peer Lending Platforms: Evidence from China. Asia-Pacific Journal of Financial Studies, 2019, 48: 640–665. 

• Lu Tian, Xu Yunjie, Scott Wallace. Internet Usage and Patient's Trust in Physician during Diagnoses: A Knowledge Power Perspective. Journal of the Association for Information Science and Technology, 2018, 69(1): 110-120.

• Zhang Chenghong, Lu Tian, Chen Shoucong, Zhang Cheng. Integrating Ego, Homophily and Structural Factors to Measure User Influence in Online Community. IEEE Transactions on Professional Communication, 2017, 60(3): 292-305.

Selected Papers and Presentations in Academic Conferences 

• Striking a Balance: Harnessing Both the Business and Information Value of Online Reviews through Resource-matching. Hawaii International Conference on System Sciences (HICSS 2024), Waikiki.   

• The Impact of Home Delivery Services on Household Consumption Behaviors and Environment: A Comprehensive Empirical Investigation. Workshop on Information Technology and Systems (WITS 2023), Hyderabad.

• The Impact of Home Delivery Services on Users’ Consumption Behaviors and Environment: A Comprehensive Empirical Investigation. Conference on Information Systems and Technology (CIST 2023), Phoenix.

• Mobile Effects on Two-Sided Financial Decisions: Evidence from Field Experiments on Peer-to-Peer Lending Platforms. INFORMS Annual Meeting 2023, Phoenix.

○ Best Paper Award Shortlisted at INFORMS Information Systems Society (ISS) Clusters

• Brake or Step On the Gas? Empirically Analyzing the Effects of Credit on Individual Consumption. International Conference on Information Systems (ICIS 2022), Copenhagen.

• Credit Risk Modeling without Sensitive Features: An Adversarial Deep Learning Model for Fairness and Profit.  International Conference on Information Systems (ICIS 2022), Copenhagen.

• Insights from Niche Markets: Explainable and Predictive Value of the Consumption Tendency on Credit Risks. International Conference on Information Systems (ICIS 2022), Copenhagen.

• Promise or Peril? When Human Efficacy Meets with AI Efficacy Augmentation. INFORMS Annual Meeting 2022, Indianapolis.

○  Best Paper Award Shortlisted at INFORMS Information Systems Society (ISS) Clusters

• Promise or Peril? When Human Efficacy Meets with AI Efficacy Augmentation. Conference on Information Systems and Technology (CIST 2022), Indianapolis.

• 1+1>2? Information, Humans, and Machines. Conference on Information Systems and Technology (CIST 2022), Indianapolis.

• RuDi: Explaining Behavior Sequence Models by Automatic Statistics Generation and Rule Distillation. ACM International Conference on Information and Knowledge Management (CIKM 2022), Atlanta.

• TransBoost: A Boosting-Tree Kernel Transfer Learning Algorithm for Improving Financial Inclusion. AAAI Conference on Artificial Intelligence (AAAI 2022), Vancouver.

• Uncovering the Source of Machine Bias in Micro-Lending. International Conference on Information Systems (ICIS 2021), Austin.

• Uncovering the Source of Machine Bias. Conference on Information Systems and Technology (CIST 2021), Online.

○ Best Student Paper Award Finalist

• Can Online-Merge-Offline Technology Create Incremental Revenues in Offline Retail?  China Summer Workshop on Information Management (CSWIM 2021), Online.

○ Best Paper Award

• Personalizing Debt Collections: Combining Reinforcement Learning and Field Experiment. International Conference on Information Systems (ICIS 2020), Online.

• The Value of Alternative Data in Credit Risk Prediction: Evidence from a Large Field Experiment. International Conference on Information Systems (ICIS 2019), Munich.

○ Best Paper Award

• How Do Filler-Item Recommendations Affect Customers’ Purchase Behavior in a Contingent Free-Shipping Strategy? China Summer Workshop on Information Management (CSWIM 2019), Shenzhen.

○ Best Paper Award Runner Up

• Do Your Social Contacts Make You a Better Borrower? A Field Experiment. Workshop on Information Systems and Economics (WISE 2018), San Francisco.

• The Governance Effects of Venture Capital Investment on P2P Lending: Evidence from Users’ Responses in Social Media. International Conference on Information Systems (ICIS 2018), San Francisco.

• Assessment of Borrowers’ Delinquency and Default Behaviors in Online P2P Lending: A Two-stage Model. Pacific Asia Conference on Information Systems (PACIS 2017), Langkawi.

○ Best Paper Award Runner Up at PACIS 2017

• Narrowing the Gap between Professionality and Popularity: An Empirical Investigation on Community Question Answering. Americas Conference on Information Systems (AMCIS 2017), Boston.

• Internet Usage, Physician Performances and Patient's Trust in Physician during Diagnoses: Investigating Both Pre-use and Not-use Internet Groups. Hawaii International Conference on System Sciences (HICSS 2016), Kauai.