Related papers: Mobile Phone Usage Data for Credit Scoring
This study provides evidence that personality can be reliably predicted from activity data collected through mobile phone sensors. Employing a set of well informed indicators calculable from accelerometer records and movement patterns, we…
High quality census data are not always available in developing countries. Instead, mobile phone data are becoming a trending proxy to evaluate population density, activity and social characteristics. They offer additional advantages for…
For more than a half-century, credit risk management has used credit scoring models in each of its well-defined stages to manage credit risk. Application scoring is used to decide whether to grant a credit or not, while behavioral scoring…
Land use classification is essential for urban planning. Urban land use types can be differentiated either by their physical characteristics (such as reflectivity and texture) or social functions. Remote sensing techniques have been…
Mobile phone usage provides a wealth of information, which can be used to better understand the demographic structure of a population. In this paper, we focus on the population of Mexican mobile phone users. We first present an…
Credit Scores are ubiquitous and instrumental for loan providers and regulators. In this paper we showcase how micro-loan credit system can be developed in real setting. We show what challenges arise and discuss solutions. Particularly, we…
Smartphones have become quite pervasive in various aspects of our daily lives. They have become important links to a host of important data and applications, which if compromised, can lead to disastrous results. Due to this, today's…
The digitalization of credit scoring has become essential for financial institutions and commercial banks, especially in the era of digital transformation. Machine learning techniques are commonly used to evaluate customers'…
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…
Access to financial institutions is difficult in developing economies and especially for the poor. However, the widespread adoption of mobile phones has enabled the development of mobile money systems that deliver financial services through…
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…
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 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…
In this paper we investigate the behavioural differences between mobile phone customers with prepaid and postpaid subscriptions. Our study reveals that (a) postpaid customers are more active in terms of service usage and (b) there are…
Mobile Internet user credit assessment is an important way for communication operators to establish decisions and formulate measures, and it is also a guarantee for operators to obtain expected benefits. However, credit evaluation methods…
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…
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…
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…
Mobile phone data are an interesting new data source for official statistics. However, multiple problems and uncertainties need to be solved before these data can inform, support or even become an integral part of statistical production…
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…