RIF
Anderson, Bjork & Bjork 1994

The Anderson, Bjork and Bjork (1994) paper is a study which examined the effect of the credit scoring system introduced by the Swedish Credit Market on consumer loan applications. The study found that the introduction of the credit scoring system resulted in an overall decrease in consumer loan default rates, while simultaneously increasing loan acceptance rates. The study's findings have since been seen as a boon in consumer finance markets across the world, as credit scoring systems allow lenders to approve or reject loan applications more accurately and promptly.

Retrieval induced forgetting: practicing retrievals from one category (fruit) inhibits non-practiced retrievals from that category (drinks) Selective remembering of events from a vacation induces forgetting about other events Implications in court