{\rtf1\ansi\deff0\deftab360 {\fonttbl {\f0\fswiss\fcharset0 Arial} {\f1\froman\fcharset0 Times New Roman} {\f2\fswiss\fcharset0 Verdana} {\f3\froman\fcharset2 Symbol} } {\colortbl; \red0\green0\blue0; } {\info {\author Biblio 7.x}{\operator }{\title Biblio RTF Export}} \f1\fs24 \paperw11907\paperh16839 \pgncont\pgndec\pgnstarts1\pgnrestart Y. Bian, Fan, S., Ye, R. Liying, and J. Zhao, L., ?Credit Risk Assessment of POS-Loans in the Big Data Era?, Workshop on Internet and BigData Finance (WIBF). Hongkong, China, 2014.\par \par J. Wu, Fan, S., Wu, M., and J. Zhao, L., ?Formation and effect of Social Interactions in Online Brand Community: an Empirical Investigation.?, The Pacific Asia Conference on Information Systems (PACIS). Chengdu, China, 2014.\par \par S. Fan, Tong, Y., and J. Zhao, L., ?Ever-Changing Workarounds: A Model for Workaround Management Lifecycle in Healthcare Workflow?, 2013 SIGBPS Workshop on Business Processes and Service. Milan, Italy, 2013.\par \par S. Fan, Li, X., and J. Zhao, L., ?Collaboration Process Patterns and Efficiency of Issue Resolution in Software Development?, 2012 International Conference on Collaboration Technologies and Systems (CTS). Denver, CO, USA, 2012.\par \par S. Fan, Sia, C. - L., and J. Zhao, L., ?Towards Collaboration Virtualization Theory?, The Pacific Asia Conference on Information Systems (PACIS). Ho Chi Minh City, Vietnam, 2012.\par \par T. Madhusudan, J. Zhao, L., and Marshall, B., ?A Case-based Reasoning Framework for Workflow Model Management?, Data and Knowledge Engineering, vol. 50, no. 1, pp. 87-115, 2004.\par \par }