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Mobile authentication using behavioral biometrics has been an active area of research. Existing research relies on building machine learning classifiers to recognize an individual's unique patterns. However, these classifiers are not…
We report a user study of over four months on the non-voice usage of mobile phones by teens from an underserved urban community in the USA where a community-wide, open-access Wi-Fi network exists. We instrumented the phones to record…
Mobile phones contain a wealth of private information, so we try to keep them secure. We provide large-scale evidence that the psychological profiles of individuals and their relations with their peers can be predicted from seemingly…
The proliferation of mobile phones has made mobile payments to be widely used in developing economies. However, mobile payment usage in Malawi is low, and there are many limitations to encourage users to continuously use mobile payments.…
The frequency of mobile communication is often used as an indicator of the strength of a tie between two individuals, but how mobile communication relates to other forms of behaving close in social relationships is poorly understood. We…
Current mobile user authentication systems based on PIN codes, fingerprint, and face recognition have several shortcomings. Such limitations have been addressed in the literature by exploring the feasibility of passive authentication on…
In forensic investigations it is often of value to establish whether two phones were used by the same person during a given time period. We present a method that uses time and location of cell tower registrations of mobile phones to assess…
Interbank contagion can theoretically exacerbate losses in a financial system and lead to additional cascade defaults during downturn. In this paper we produce default analysis using both regression and neural network models to verify…
Human mobility analysis is an important issue in social sciences, and mobility data are among the most sought-after sources of information in ur- Data ban studies, geography, transportation and territory management. In network sciences…
Due to the recent increase in interest in Financial Technology (FinTech), applications like credit default prediction (CDP) are gaining significant industrial and academic attention. In this regard, CDP plays a crucial role in assessing the…
This paper explores the identification of smartphone users when certain samples collected while the subject felt happy, upset or stressed were absent or present. We employ data from 19 subjects using the StudentLife dataset, a dataset…
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…
Banks and financial institutions all over the world manage portfolios containing tens of thousands of customers. Not all customers are high credit-worthy, and many possess varying degrees of risk to the Bank or financial institutions that…
The massive amounts of geolocation data collected from mobile phone records has sparked an ongoing effort to understand and predict the mobility patterns of human beings. In this work, we study the extent to which social phenomena are…
With the aim to contribute to humanitarian response to disasters and violent events, scientists have proposed the development of analytical tools that could identify emergency events in real-time, using mobile phone data. The assumption is…
Mobile inventory, mobile commerce, banking and/or commercial applications are some distinctive examples that increasingly use distributed transactions. It is inevitably harder to design efficient commit protocols, due to some intrinsic…
The mobile device is one of the fasted growing technologies that is widely used in a diversifying sector. Mobile devices are used for everyday life, such as personal information exchange - chatting, email, shopping, and mobile banking,…
In this paper we present the impact of alternative data that originates from an app-based marketplace, in contrast to traditional bureau data, upon credit scoring models. These alternative data sources have shown themselves to be immensely…
Mobile phone data -- with file sizes scaling into terabytes -- easily overwhelm the computational capacity available to some researchers. Moreover, for ethical reasons, data access is often granted only to particular subsets, restricting…
Statistics on migration flows are often derived from census data, which suffer from intrinsic limitations, including costs and infrequent sampling. When censuses are used, there is typically a time gap - up to a few years - between the data…