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Transaction data obtained by Personal Financial Management (PFM) services from financial institutes such as banks and credit card companies contain a description string from which the merchant, and an encoded store identifier may be parsed.…

Understanding passengers' path choice behavior in urban rail systems is a prerequisite for effective operations and planning. This paper attempts bridging the gap by proposing a probabilistic approach to infer passengers' path choice…

Credit card fraud causes significant financial losses and frequently occurs as fraud attack, defined as short-term sequence of fraudulent transactions associated with high transaction rates and amounts, business areas historically tied to…

Improving the performance of click-through rate (CTR) prediction remains one of the core tasks in online advertising systems. With the rise of deep learning, CTR prediction models with deep networks remarkably enhance model capacities. In…

Feature extraction is crucial for human activity recognition (HAR) using body-worn movement sensors. Recently, learned representations have been used successfully, offering promising alternatives to manually engineered features. Our work…

Assessment of risk levels for existing credit accounts is important to the implementation of bank policies and offering financial products. This paper uses cluster analysis of behaviour of credit card accounts to help assess credit risk…

Credit card fraud detection is a very challenging problem because of the specific nature of transaction data and the labeling process. The transaction data is peculiar because they are obtained in a streaming fashion, they are strongly…

Consumer spending accounts for a large fraction of the US economic activity. Increasingly, consumer activity is moving to the web, where digital traces of shopping and purchases provide valuable data about consumer behavior. We analyze…

A potential objective of every financial organization is to retain existing customers and attain new prospective customers for long-term. The economic behaviour of customer and the nature of the organization are controlled by a prescribed…

The analysis of credit card transactions allows gaining new insights into the spending occurrences and mobility behavior of large numbers of individuals at an unprecedented scale. However, unfolding such spatiotemporal patterns at a…

The study of the dynamic behavior of cross-sectional ranks over time for functional data and the ranks of the observed curves at each time point and their temporal evolution can yield valuable insights into the time dynamics of functional…

User churn, characterized by customers ending their relationship with a business, has profound economic consequences across various Business-to-Customer scenarios. For numerous system-to-user actions, such as promotional discounts and…

With online payment platforms being ubiquitous and important, fraud transaction detection has become the key for such platforms, to ensure user account safety and platform security. In this work, we present a novel method for detecting…

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…

Effective control of credit risk is a key link in the steady operation of commercial banks. This paper is mainly based on the customer information dataset of a foreign commercial bank in Kaggle, and we use LightGBM algorithm to build a…

Accurately predicting stock repurchases is crucial for quantitative investment and risk management, yet traditional static models fail to capture the complex temporal dependencies of corporate financial conditions. This paper proposes a…

Click-through rate (CTR) prediction is an important task for the companies to recommend products which better match user preferences. User behavior in digital advertising is dynamic and changes over time. It is crucial for the companies to…

Predicting the economy's short-term dynamics -- a vital input to economic agents' decision-making process -- often uses lagged indicators in linear models. This is typically sufficient during normal times but could prove inadequate during…

Topological Data Analysis (TDA) is a recent approach to analyze data sets from the perspective of their topological structure. Its use for time series data has been limited to the field of financial time series primarily and as a method for…

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…