BibTex format
@article{Hand:2014:10.1057/jors.2013.55,
author = {Hand, DJ and Adams, NM},
doi = {10.1057/jors.2013.55},
journal = {JOURNAL OF THE OPERATIONAL RESEARCH SOCIETY},
pages = {408--415},
title = {Selection bias in credit scorecard evaluation},
url = {http://dx.doi.org/10.1057/jors.2013.55},
volume = {65},
year = {2014}
}