Research

ASU Profile  |  Google Scholar  |  SSRN

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

Featured Publications

Topic I: Human–AI Collaboration

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

          Xiyang Hu, Yan Huang, Beibei Li, Tian Lu*, Management Science, 2025, published online.  

           ○  Amazon AWS AI Research Grant Award 2023

           ○  Best Student Paper Award Finalist, CIST 2021

[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] 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

Topic II: FinTech

[4] 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 (TKDE), 2025, 37(1): 116-129. 

           ○  Tencent Research Grant 2022

[5] 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. 

[6] 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.

           ○  INFORMS ISS Bapna-Ghose Social Justice Best Paper Award 2025

           ○  Best Paper Award, ICIS 2019

           ○  Facebook Economic Opportunity and Digital Platforms Research Grant Award 2019

           ○  Media Report: Profit vs. Equity: Lenders Can Raise Both with Alternative Data, W. P. Carey News

           ○  Media Report: The AI Revolution: Beyond the Industrial Age into Uncharted Territories, W. P. Carey Magazine 

[7] 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. 

[8] 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.

[9] 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.

Topic III: AI, Big Data, and Digital Business Innovations

[10] 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.

Papers Under Revision/Review

Topic I: Human–AI Collaboration

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

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

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

          Tian Lu, Xianghua Lu, Yiyu Huang, Hai Wang, under major revision.

           ○  INFORMS ISS Clusters Best Paper Award Shortlisted 2022

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

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

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

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

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

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

           ○  INFORMS eBusiness Section Best Paper Award 2025 

[16] Algorithmic Advancements and Workforce Dynamics in the Gig Economy: Evidence from the On-Demand Delivery Market

           （with Yiyu Huang, Xianghua Lu, Chunhua Wu)

Topic II: FinTech

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

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

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

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

[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. 

Topic III: AI, Big Data, and Digital Business Innovations

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

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

[21] 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.

[22] Strategic (Non-)Investment in AI Pricing: How Does Price Monitoring Deter AI Adoption?

          Dingwei Gu, Tian Lu†, Wen Zhou, under review.

Selected Work-in-Progress

Topic I: Human–AI Collaboration

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

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

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

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

Awards

 ○  INFORMS ISS Gordon B. Davis Young Scholar Award (2025)

 ○  INFORMS eBusiness Section Best Paper Award (2025)

 ○  INFORMS ISS Bapna-Ghose Social Justice Best Paper Award (2025)

 ○  W. P. Carey Dean's Early Career Research Award (2025)

 ○  Amazon AWS AI Research Grant Award (2023)

 ○  NET Institute Grant Award (2023)

 ○  INFORMS ISS Clusters Best Paper Awards Shortlisted (2023, 2022) 

 ○  Tencent Research Grant Awards (2022, 2021)

 ○  Best Student Paper Award Finalist,  Conference on Information Systems and Technology (CIST) (2021)

 ○  Best Paper Award, China Summer Workshop on Information Management (CSWIM) (2021)

 ○  Facebook Economic Opportunity and Digital Platforms Research Grant Award (2019)

 ○  Best Paper Award,  International Conference on Information Systems (ICIS) (2019)

 ○  Best Paper Award Runner Up, China Summer Workshop on Information Management (CSWIM) (2019)

 ○  Best Paper Award Runner Up,  Pacifia Asia Conference on Information Systems (PACIS) (2017)