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The need for controlling and effectively managing credit risk has led financial institutions to excel in improving techniques designed for this purpose, resulting in the development of various quantitative models by financial institutions…
In the last decade new ways of shopping online have increased the possibility of buying products and services more easily and faster than ever. In this new context, personality is a key determinant in the decision making of the consumer…
In the last decade, the digital age has sharply redefined the way we study human behavior. With the advancement of data storage and sensing technologies, electronic records now encompass a diverse spectrum of human activity, ranging from…
The European debt purchase market as measured by the total book value of purchased debt approached 25bn euros in 2020 and it was growing at double-digit rates. This is an example of how big the debt collection and debt purchase industry has…
A data-driven model where individual learning behavior is a linear combination of certain stylized learning patterns scaled by learners' affinities is proposed. The absorption of stylized behavior through the affinities constitutes…
This thesis contributes a structured inquiry into the open actuarial mathematics problem of modelling user behaviour using machine learning methods, in order to predict purchase intent of non-life insurance products. It is valuable for a…
Assessment of job performance, personalized health and psychometric measures are domains where data-driven and ubiquitous computing exhibits the potential of a profound impact in the future. Existing techniques use data extracted from…
In high-dimensional time-series analysis, it is essential to have a set of key factors (namely, the style factors) that explain the change of the observed variable. For example, volatility modeling in finance relies on a set of risk…
We propose the use of probabilistic programming techniques to tackle the malicious user identification problem in a recommendation algorithm. Probabilistic programming provides numerous advantages over other techniques, including but not…
Financial inclusion ensures that individuals have access to financial products and services that meet their needs. As a key contributing factor to economic growth and investment opportunity, financial inclusion increases consumer spending…
We replicate Meissner (2016), where debt aversion was reported for the first time in an intertemporal consumption and saving problem. While Meissner (2016) uses a German sample, our participants are US undergraduate students. All of the…
Predicting potential credit default accounts in advance is challenging. Traditional statistical techniques typically cannot handle large amounts of data and the dynamic nature of fraud and humans. To tackle this problem, recent research has…
Background: Technical debt (TD) has been widely discussed in software engineering research, and there is an emerging literature linking it to developer characteristics. However, developer personality has not yet been studied in this…
Data-trained predictive models see widespread use, but for the most part they are used as black boxes which output a prediction or score. It is therefore hard to acquire a deeper understanding of model behavior, and in particular how…
The data mining process consists of a series of steps ranging from data cleaning, data selection and transformation, to pattern evaluation and visualization. One of the central problems in data mining is to make the mined patterns or…
Performing effective preference-based data retrieval requires detailed and preferentially meaningful structurized information about the current user as well as the items under consideration. A common problem is that representations of items…
Missing data are ubiquitous in the era of big data and, if inadequately handled, are known to lead to biased findings and have deleterious impact on data-driven decision makings. To mitigate its impact, many missing value imputation methods…
The nexus between debt and inequality has attracted considerable scholarly attention in the wake of the global financial crisis. One prominent candidate to explain the striking co-evolution of income inequality and private debt in this…
Consumer choice modeling takes center stage as we delve into understanding how personal preferences of decision makers (customers) for products influence demand at the level of the individual. The contemporary choice theory is built upon…
This study introduces geometric algebra to decompose credit system relationships into their projective (correlation-like) and rotational (feedback-spiral) components. We represent economic states as multi-vectors in Clifford algebra, where…