Related papers: Mobile Phone Usage Data for Credit Scoring
Nowadays, smartphones are not utilized for communications only. Smartphones are equipped with a lot of sensors that can be utilized for different purposes. For example, inertial sensors have been used extensively in recent years for…
Researchers have used social media data to estimate various macroeconomic indicators about public behaviors, mostly as a way to reduce surveying costs. One of the most widely cited economic indicator is consumer confidence index (CCI).…
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…
Since the 1990s, there have been significant advances in the technology space and the e-Commerce area, leading to an exponential increase in demand for cashless payment solutions. This has led to increased demand for credit cards, bringing…
Machine learning algorithms, in conjunction with user data, hold the promise of revolutionizing the way we interact with our phones, and indeed their widespread adoption in the design of apps bear testimony to this promise. However,…
The short message service (SMS) was introduced a generation ago to the mobile phone users. They make up the world's oldest large-scale network, with billions of users and therefore attracts a lot of fraud. Due to the convergence of mobile…
In recent years, financial fraud detection systems have become very efficient at detecting fraud, which is a major threat faced by e-commerce platforms. Such systems often include machine learning-based algorithms aimed at detecting and…
We analyze the impact of intra-cell mobility on user performance in dense networks such as that enabled by LTE-A and 5G. To this end, we consider a homogeneous network of small cells and first show how to reduce the evaluation of user…
Now-a-days the amount of data stored in educational database increasing rapidly. These databases contain hidden information for improvement of students' performance. Educational data mining is used to study the data available in the…
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.…
Cell phone technology generates massive amounts of data. Although this data has been gathered for billing and logging purposes, today it has a much higher value, because its volume makes it very useful for big data analyses. In this…
In this paper, we performs a credit risk analysis, on the data of past loan applicants of a company named Lending Club. The calculation required the use of exploratory data analysis and machine learning classification algorithms, namely,…
In this work, we presented the strategies and techniques that we have developed for predicting the near-future churners and win-backs for a telecom company. On a large-scale and real-world database containing customer profiles and some…
Score matching is a vital tool for learning the distribution of data with applications across many areas including diffusion processes, energy based modelling, and graphical model estimation. Despite all these applications, little work…
The recent decade has witnessed phenomenal growth in communication technology. Development of user-friendly software platforms, such as Facebook, WhatsApp etc. have facilitated ease of communication and thereby people have started freely…
This work studies how we can obtain feature-level ratings of the mobile products from the customer reviews and review votes to influence decision making, both for new customers and manufacturers. Such a rating system gives a more…
The data that underlies automated methods in computer vision and machine learning, such as image retrieval and fine-grained recognition, often comes from crowdsourcing. In contexts that rely on the intrinsic motivation of users, we seek to…
The wide adoption of mobile devices and social media platforms have dramatically increased the collection and sharing of personal information. More and more frequently, users are called to take decisions concerning the disclosure of their…
Inherent risk scoring is an important function in anti-money laundering, used for determining the riskiness of an individual during onboarding $\textit{before}$ fraudulent transactions occur. It is, however, often fraught with two…
The usage of mobile devices for mobile learning is becoming increasingly popular. There is a new brand of students in the universities now-a-days who are easily connected to technology and innovative mobile devices. We attempt to do an…