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We develop the first basic Operational Risk perspective on key risk management issues associated with the development of new forms of electronic currency in the real economy. In particular, we focus on understanding the development of new…
Fraudulent activities on digital banking services are becoming more intricate by the day, challenging existing defenses. While older rule driven methods struggle to keep pace, even precision focused algorithms fall short when new scams are…
In the context of public transport modeling and simulation, we address the problem of mismatch between simulated transit trips and observed ones. We point to the weakness of the current travel demand modeling process; the trips it generates…
Nowadays consumer loan plays an important role in promoting the economic growth, and credit cards are the most popular consumer loan. One of the most essential parts in credit cards is the credit limit management. Traditionally, credit…
The blockchain constitutes a technology-based, rather than social or regulation based, means to lower uncertainty about one another in order to exchange value. However, its use may very well also lead to increased complexity resulting from…
In an increasingly digitalized commerce landscape, the proliferation of credit card fraud and the evolution of sophisticated fraudulent techniques have led to substantial financial losses. Automating credit card fraud detection is a viable…
In today's world, banks use artificial intelligence to optimize diverse business processes, aiming to improve customer experience. Most of the customer-related tasks can be categorized into two groups: 1) local ones, which focus on a…
We propose an algorithm for distributed charging control of electric vehicles (EVs) using online learning and online convex optimization. Many distributed charging control algorithms in the literature implicitly assume fast two-way…
Although smartcards are widely used, secure smartcard interoperability has remained a significant challenge. Usually each manufacturer provides a closed environment for their smartcard based applications including the microchip, associated…
In this paper, we formulate the design of efficient digitalised deposit return schemes as a control problem. We focus on the recycling of paper cups, though the proposed methodology applies more broadly to reverse logistics systems arising…
Smart grids leverage the data collected from smart meters to make important operational decisions. However, they are vulnerable to False Data Injection (FDI) attacks in which an attacker manipulates meter data to disrupt the grid…
Distributed control strategies applied to power distribution control problems are meant to offer robust and scalable integration of distributed energy resources. However, the term "distributed control" is often loosely applied to a variety…
This paper explores the impact of banking fintech on reducing financial risks in the agricultural supply chain, focusing on the secondary allocation of commercial credit. The study constructs a three-player evolutionary game model involving…
Crowd-intelligence tries to gather, process, infer and ascertain massive useful information by utilizing the intelligence of crowds or distributed computers, which has great potential in Industrial Internet of Things (IIoT). A…
Distributed estimation in a blockchain-aided Internet of Things (BIoT) is considered, where the integrated blockchain secures data exchanges across the BIoT and the storage of data at BIoT agents. This paper focuses on developing a…
In formal verification, runtime monitoring consists of observing the execution of a system in order to decide as quickly as possible whether or not it satisfies a given property. We consider monitoring in a distributed setting, for…
This paper takes a deep learning approach to understand consumer credit risk when e-commerce platforms issue unsecured credit to finance customers' purchase. The "NeuCredit" model can capture both serial dependences in multi-dimensional…
Financial crime is a large and growing problem, in some way touching almost every financial institution. Financial institutions are the front line in the war against financial crime and accordingly, must devote substantial human and…
Executing distributed cyber-physical software processes on edge devices that maintains the resiliency of the overall system while adhering to resource constraints is quite a challenging trade-off to consider for developers. Current…
This chapter explores the convergence of two major developments: the rise of environmental, social, and governance (ESG) investing and the exponential growth of artificial intelligence (AI) technology. The increased demand for diverse ESG…