Related papers: Behavior Revealed in Mobile Phone Usage Predicts L…
In human relations individuals' gender and age play a key role in the structures and dynamics of their social arrangements. In order to analyze the gender preferences of individuals in interaction with others at different stages of their…
This paper uses a scenario-based role-play experiment based on the usage of QR codes to detect how mobile users respond to social engineering attacks conducted via mobile devices. The results of this experiment outline a guided mobile phone…
This research investigated the potential for improving Peer-to-Peer (P2P) credit scoring by using "private information" about communications and travels of borrowers. We found that P2P borrowers' ego networks exhibit scale-free behavior…
Credit risk scorecards are logistic regression models, fitted to large and complex data sets, employed by the financial industry to model the probability of default of a potential customer. In order to ensure that a scorecard remains a…
This literature review elucidates the implications of behavioral biases, particularly those stemming from overconfidence and framing, on the intertemporal choices made by students on their underline demand preferences for student loans. A…
We study the structure of the social graph of mobile phone users in the country of Mexico, with a focus on demographic attributes of the users (more specifically the users' age). We examine assortativity patterns in the graph, and observe a…
The availability of mobile technologies has enabled the efficient collection prospective longitudinal, ecologically valid self-reported mood data from psychiatric patients. These data streams have potential for improving the efficiency and…
Mobile phone datasets allow for the analysis of human behavior on an unprecedented scale. The social network, temporal dynamics and mobile behavior of mobile phone users have often been analyzed independently from each other using mobile…
Current smartphone operating systems regulate application permissions by prompting users on an ask-on-first-use basis. Prior research has shown that this method is ineffective because it fails to account for context: the circumstances under…
Mobile-based financial services have made it possible for the traditionally unbanked to access infrastructure that have been routinely unattainable. Researchers have explored how these systems have made for safer environments to send and…
The enormous amount of recently available mobile phone data is providing unprecedented direct measurements of human behavior. Early recognition and prediction of behavioral patterns are of great importance in many societal applications like…
The study examines the relationship between mobile financial services and individual financial behavior in India wherein a sizeable population is yet to be financially included. Addressing the endogeneity associated with the use of mobile…
Today's age of data holds high potential to enhance the way we pursue and monitor progress in the fields of development and humanitarian action. We study the relation between data utility and privacy risk in large-scale behavioral data,…
Mobile phone calling is one of the most widely used communication methods in modern society. The records of calls among mobile phone users provide us a valuable proxy for the understanding of human communication patterns embedded in social…
Mobile technologies offer opportunities for higher resolution monitoring of health conditions. This opportunity seems of particular promise in psychiatry where diagnoses often rely on retrospective and subjective recall of mood states.…
Credit scoring is an essential tool used by global financial institutions and credit lenders for financial decision making. In this paper, we introduce a new method based on Gaussian Mixture Model (GMM) to forecast the probability of…
Mobile phones are quickly becoming the primary source for social, behavioral, and environmental sensing and data collection. Today's smartphones are equipped with increasingly more sensors and accessible data types that enable the…
Preliminary research indicated that an increasing number of young adults end up in debt collection. Yet, debt collection agencies (DCAs) are still lacking knowledge on how to approach these consumers. A large-scale mixed-methods survey of…
Mobile devices have been manufactured and enhanced at growing rates in the past decades. While this growth has significantly evolved the capability of these devices, their security has been falling behind. This contrast in development…
Job scams have emerged as a rapidly growing form of cybercrime that manipulates human decision-making processes. Existing countermeasures primarily focus on scam typologies or post-loss indicators, offering limited support for early-stage…