Related papers: Behavior Revealed in Mobile Phone Usage Predicts L…
Mobile banking apps have transformed the banking sector by offering customers with convenient, secure and easily accessible financial services. Even so, it is crucial for banks and the mobile banking apps developers to understand the…
Growth in leisure travel has become increasingly significant economically, socially, and environmentally. However, flexible but uncoordinated travel behaviors exacerbate traffic congestion. Mobile phone records not only reveal human…
Every day, billions of mobile network events (i.e. CDRs) are generated by cellular phone operator companies. Latent in this data are inspiring insights about human actions and behaviors, the discovery of which is important because…
Traffic-related injuries and fatalities are major health risks in the United States. Mobile phone use while driving quadruples the risk for a motor vehicle crash. This work demonstrates the feasibility of using the mobile phone camera to…
Logistic Regression and Support Vector Machine algorithms, together with Linear and Non-Linear Deep Neural Networks, are applied to lending data in order to replicate lender acceptance of loans and predict the likelihood of default of…
We present a study of the reciprocity of human behaviour based on mobile phone usage records. The underlying question is whether human relationships are mutual, in the sense that both are equally active in keeping up the relationship, or is…
Understanding the patterns of mobility of individuals is crucial for a number of reasons, from city planning to disaster management. There are two common ways of quantifying the amount of travel between locations: by direct observations…
Today, 95% of the global population has 2G mobile phone coverage and the number of individuals who own a mobile phone is at an all time high. Mobile phones generate rich data on billions of people across different societal contexts and have…
Approximately half of the global population does not have access to the internet, even though digital connectivity can reduce poverty by revolutionizing economic development opportunities. Due to a lack of data, Mobile Network Operators and…
Circadian rhythms are known to be important drivers of human activity and the recent availability of electronic records of human behaviour has provided fine-grained data of temporal patterns of activity on a large scale. Further,…
Can mobile phone data improve program targeting? By combining rich survey data from a "big push" anti-poverty program in Afghanistan with detailed mobile phone logs from program beneficiaries, we study the extent to which machine learning…
Today's mobile phones are far from mere communication devices they were ten years ago. Equipped with sophisticated sensors and advanced computing hardware, phones can be used to infer users' location, activity, social setting and more. As…
As technology and technology companies have grown in power, ubiquity, and societal influence, some companies -- and notably some mobile apps -- have come to be perceived as privacy threats. Prior work has considered how various factors…
Prefetching web pages is a well-studied solution to reduce network latency by predicting users' future actions based on their past behaviors. However, such techniques are largely unexplored on mobile platforms. Today's privacy regulations…
An intriguing open question is whether measurements made on Big Data recording human activities can yield us high-fidelity proxies of socio-economic development and well-being. Can we monitor and predict the socio-economic development of a…
Mobile Money (MoMo), a technology that allows users to complete financial transactions using a mobile phone without requiring a bank account, is a common method for processing financial transactions in Africa and other developing regions.…
We develop a structural econometric model to capture the decision dynamics of human evaluators on an online micro-lending platform, and estimate the model parameters using a real-world dataset. We find two types of biases in gender,…
The rapid spread of mobile phones means that the number of mobile users may already exceed the number of banked people in many low income countries. Mobile phones can also offer a communications channel for initiating and executing on-line…
In this paper, we propose a novel continuous authentication system for smartphone users. The proposed system entirely relies on unlabeled phone movement patterns collected through smartphone accelerometer. The data was collected in a…
Banks are important for the development of economies in any financial ecosystem through consumer and business loans. Lending, however, presents risks; thus, banks have to determine the applicant's financial position to reduce the…