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More than one million people commit suicide every year worldwide. The costs of daily cares, social stigma and treatment issues are still hard barriers to overcome in mental health. Most symptoms of mental disorders are related to the…

The lifetime behaviour of loans is notoriously difficult to model, which can compromise a bank's financial reserves against future losses, if modelled poorly. Therefore, we present a data-driven comparative study amongst three techniques in…

This paper introduces a credit risk rating model for credit risk assessment in quantitative finance, aiming to categorize borrowers based on their behavioral data. The model is trained on data from Experian, a widely recognized credit…

Traditional sources of population data, such as censuses and surveys, are costly, infrequent, and often unavailable in crisis-affected regions. Mobile phone application data offer near real-time, high-resolution insights into population…

Credit scoring is without a doubt one of the oldest applications of analytics. In recent years, a multitude of sophisticated classification techniques have been developed to improve the statistical performance of credit scoring models.…

Using large-scale call detail records of anonymised mobile phone service subscribers with demographic and location information, we investigate how a long-distance residential move within the country affects the mobile communication patterns…

The use of mobile payment services is an essential contributor to financial inclusion in emerging markets. Unfortunately, the service has become a platform for fraud. Mobile payment users need to be digitally resilient to continue using the…

The development of mobile phones has largely increased human interactions. Whilst the use of these devices for communication has received significant attention, there has been little analysis of more passive interactions. Through census…

With the increase in an average user's dependence on their mobile devices, the reliance on collecting his browsing history from mobile browsers has also increased. This browsing history is highly utilized in the advertising industry for…

With the widespread application of machine learning in financial risk management, conventional wisdom suggests that longer training periods and more feature variables contribute to improved model performance. This paper, focusing on…

Mobile phone communication as digital service generates ever-increasing datasets of human communication actions, which in turn allow us to investigate the structure and evolution of social interactions and their networks. These datasets can…

Personal electronic devices including smartphones give access to behavioural signals that can be used to learn about the characteristics and preferences of individuals. In this study, we explore the connection between demographic and…

Patterns of mobile phone communications, coupled with the information of the social network graph and financial behavior, allow us to make inferences of users' socio-economic attributes such as their income level. We present here several…

Data on hundreds of variables related to individual consumer finance behavior (such as credit card and loan activity) is routinely collected in many countries and plays an important role in lending decisions. We postulate that the detailed…

Notifications are one of the most prevailing mechanisms on smartphones and personal computers to convey timely and important information. Despite these benefits, smartphone notifications demand individuals' attention and can cause stress…

In the age of data driven solution, the customer demographic attributes, such as gender and age, play a core role that may enable companies to enhance the offers of their services and target the right customer in the right time and place.…

Credit risk assessment is a crucial aspect of financial decision-making, enabling institutions to predict the likelihood of default and make informed lending decisions. Two prominent methodologies in credit risk modeling are logistic…

We show that lenders face more uncertainty when assessing default risk of historically under-served groups in US credit markets and that this information disparity is a quantitatively important driver of inefficient and unequal credit…

The increasing popularity of smart mobile phones and their powerful sensing capabilities have enabled the collection of rich contextual information and mobile phone usage records through the device logs. This paper formulates the problem of…

We present a link-centric approach to study variation in the mobile phone communication patterns of individuals. Unlike most previous research on call detail records that focused on the variation of phone usage across individual users, we…