Темные данные. Практическое руководство по принятию правильных решений в мире недостающих данных. Дэвид Хэнд

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      D. J. Hand, F. Daly, A. D. Lunn, K. J. McConway, and E. Ostrowski, A Handbook of Small Data Sets (London: Chapman and Hall, 1994).

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      D. J. Hand, “Statistical challenges of administrative and transaction data (with discussion),” Journal of the Royal Statistical Society, Series A181 (2018): 555-605.

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      https://www.quora.com/How-many-credit-and-debit-card-transactions-are-there-every-year, accessed 24 August 2018.

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