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The existence of asymmetric information has always been a major concern for financial institutions. Financial intermediaries such as commercial banks need to study the quality of potential borrowers in order to make their decision on…

Through seven publications this dissertation shows how anonymized mobile phone data can contribute to the social good and provide insights into human behaviour on a large scale. The size of the datasets analysed ranges from 500 million to…

Recently, mobile operators in many developing economies have launched "Mobile Money" platforms that deliver basic financial services over the mobile phone network. While many believe that these services can improve the lives of the poor, a…

The explosion of mobile phone communications in the last years occurs at a moment where data processing power increases exponentially. Thanks to those two changes in a global scale, the road has been opened to use mobile phone…

We analyze a large-scale mobile phone call dataset containing information on the age, gender, and billing locality of users to get insight into social closeness in pairs of individuals of similar age. We show that in addition to using the…

Recent studies have shown the value of mobile phone data to tackle problems related to economic development and humanitarian action. In this research, we assess the suitability of indicators derived from mobile phone data as a proxy for…

We develop a model to predict consumer default based on deep learning. We show that the model consistently outperforms standard credit scoring models, even though it uses the same data. Our model is interpretable and is able to provide a…

Reliable statistical information is important to make political decisions on a sound basis and to help measure the impact of policies. Unfortunately, statistics offices in developing countries have scarce resources and statistical censuses…

Credit scores are critical for allocating consumer debt in the United States, yet little evidence is available on their performance. We benchmark a widely used credit score against a machine learning model of consumer default and find…

The present study provides the first evidence that illiteracy can be reliably predicted from standard mobile phone logs. By deriving a broad set of mobile phone indicators reflecting users financial, social and mobility patterns we show how…

Mental health conditions remain underdiagnosed even in countries with common access to advanced medical care. The ability to accurately and efficiently predict mood from easily collectible data has several important implications for the…

High quality census data are not always available in developing countries. Instead, mobile phone data are becoming a trending proxy to evaluate population density, activity and social characteristics. They offer additional advantages for…

This study provides the first confirmation that individual employment status can be predicted from standard mobile phone network logs externally validated with household survey data. Individual welfare and households vulnerability to shocks…

Previous studies have shown the correlation between sensor data collected from mobile phones and human depression states. Compared to the traditional self-assessment questionnaires, the passive data collected from mobile phones is easier to…

Basic personality traits are typically assessed through questionnaires. Here we consider phone-based metrics as a way to asses personality traits. We use data from smartphones with custom data-collection software distributed to 730…

Cooperation is a fundamental human concept studied across multiple social and biological disciplines. Traditional methods for eliciting an individual's propensity to cooperate have included surveys and laboratory experiments and multiple…

The increasing popularity of cell phones has made them the most personal and ubiquitous communication devices nowadays. Typically, the ringing notifications of mobile phones are used to inform the users about the incoming calls. However,…

Mental health conditions remain under-diagnosed even in countries with common access to advanced medical care. The ability to accurately and efficiently predict mood from easily collectible data has several important implications towards…

The wide adoption of mobile devices and social media platforms have dramatically increased the collection and sharing of personal information. More and more frequently, users are called to take decisions concerning the disclosure of their…

The increasing use of electronic forms of communication presents new opportunities in the study of mental health, including the ability to investigate the manifestations of psychiatric diseases unobtrusively and in the setting of patients'…