BibTex format
@article{Pavlidis:2012:10.1057/jors.2012.15,
author = {Pavlidis, NG and Tasoulis, DK and Adams, NM and Hand, DJ},
doi = {10.1057/jors.2012.15},
journal = {JOURNAL OF THE OPERATIONAL RESEARCH SOCIETY},
pages = {1645--1654},
title = {Adaptive consumer credit classification},
url = {http://dx.doi.org/10.1057/jors.2012.15},
volume = {63},
year = {2012}
}