BibTex format
@article{Li:2002:10.1057/palgrave.jors.2601346,
author = {Li, HG and Hand, DJ},
doi = {10.1057/palgrave.jors.2601346},
journal = {JOURNAL OF THE OPERATIONAL RESEARCH SOCIETY},
pages = {647--654},
title = {Direct versus indirect credit scoring classifications},
url = {http://dx.doi.org/10.1057/palgrave.jors.2601346},
volume = {53},
year = {2002}
}