Related papers: Behavior Revealed in Mobile Phone Usage Predicts L…
The information collected by mobile phone operators can be considered as the most detailed information on human mobility across a large part of the population. The study of the dynamics of human mobility using the collected geolocations of…
We present a multilayer network model for credit risk assessment. Our model accounts for multiple connections between borrowers (such as their geographic location and their economic activity) and allows for explicitly modelling the…
The use of credit cards has recently increased, creating an essential need for credit card assessment methods to minimize potential risks. This study investigates the utilization of machine learning (ML) models for credit card default…
Recent communications environment significantly expand the mobile environment. Prepaid mobile services for 3G networks enables telecommunication to sign up new users by utilizing the latest in converged billing technologies. The worldwide…
Smartphone carrier companies rely on mobile networks for keeping an accurate record of customer data usage for billing purposes. In this paper, we present a vulnerability that allows an attacker to force the victim's smartphone to consume…
Use-dependent bias is a phenomenon in human sensorimotor behavior whereby movements become biased towards previously repeated actions. Despite being well-documented, the reason why this phenomenon occurs is not yet clearly understood. Here,…
As adoption of mobile phones has skyrocketed, so have scams involving them. The text method is called SMiShing, (aka SMShing, or smishing) in which a fraudster sends a phishing link via Short Message Service (SMS) text to a phone. However,…
Mobile phone data have played a key role in quantifying human mobility during the COVID-19 pandemic. Existing studies on mobility patterns have primarily focused on regional aggregates in high-income countries, obfuscating the accentuated…
Human mobility and other social activity patterns influence various aspects of society such as urban planning, traffic predictions, crisis resilience, and epidemic prevention. The behaviour of individuals, like their communication…
In this paper, we explore mobile app use as a behavioral biometric identifier. While several efforts have also taken on this challenge, many have alluded to the inconsistency in human behavior, resulting in updating the biometric template…
Mobile call networks have been widely used to investigate communication patterns and the network of interactions of humans at the societal scale. Yet, more detailed analysis is often hindered by having no information about the nature of the…
Microfinance, despite its significant potential for poverty reduction, is facing sustainability hardships due to high default rates. Although many methods in regular finance can estimate credit scores and default probabilities, these…
This study examines strategic behavior in crowdfunding using a large-scale online experiment. Building on the model of Arieli et. al 2023, we test predictions about risk aversion (i.e., opting out despite seeing a positive private signal)…
Research has proven that stress reduces quality of life and causes many diseases. For this reason, several researchers devised stress detection systems based on physiological parameters. However, these systems require that obtrusive sensors…
The rise of smartphones has led to a significant increase in the usage of mobile payments. Mobile payments allow individuals to access financial resources and make transactions through their mobile devices while on the go. However, the…
Consumer protection rules require companies that deploy models to automate decisions in high-stakes settings to explain predictions to decision subjects. These rules are motivated, in part, by the belief that explanations can promote…
Humans follow circadian rhythms, visible in their activity levels as well as physiological and psychological factors. Such rhythms are also visible in electronic communication records, where the aggregated activity levels of e.g. mobile…
The global mental health crisis is a pressing concern, with college students particularly vulnerable to rising mental health disorders. The widespread use of smartphones among young adults, while offering numerous benefits, has also been…
More personal consumer loan products are emerging in mobile banking APP. For ease of use, application process is always simple, which means that few application information is requested for user to fill when applying for a loan, which is…
Mobile money can facilitate financial inclusion in developing countries, which usually have high mobile phone use and steady remittance activity. Many countries in Latin America meet the minimum technological requirements to use mobile…