Related papers: Know Your Clients' behaviours: a cluster analysis …
Financial advisors use questionnaires and discussions with clients to determine a suitable portfolio of assets that will allow clients to reach their investment objectives. Financial institutions assign risk ratings to each security they…
Under Know Your Customer (KYC) regulations, financial institutions are required to verify the identity and assess the trustworthiness of any new client during on-boarding, and maintain up-to-date records for risk management. These processes…
Biological AI tools for protein design and structure prediction are advancing rapidly, creating dual-use risks that existing safeguards cannot adequately address. Current model-level restrictions, including keyword filtering, output…
We use statistically validated networks, a recently introduced method to validate links in a bipartite system, to identify clusters of investors trading in a financial market. Specifically, we investigate a special database allowing to…
To address security and safety risks stemming from highly capable artificial intelligence (AI) models, we propose that the US government should ensure compute providers implement Know-Your-Customer (KYC) schemes. Compute - the computational…
Assessment of risk levels for existing credit accounts is important to the implementation of bank policies and offering financial products. This paper uses cluster analysis of behaviour of credit card accounts to help assess credit risk…
Financial organisations such as brokers face a significant challenge in servicing the investment needs of thousands of their traders worldwide. This task is further compounded since individual traders will have their own risk appetite and…
The fast-growing cryptocurrency sector presents both challenges and opportunities for businesses and consumers alike. This study investigates the knowledge, expertise, and buying habits of people who shop using cryptocurrencies. Our survey…
Customer purchasing behavior analysis plays a key role in developing insightful communication strategies between online vendors and their customers. To support the recent increase in online shopping trends, in this work, we present a…
Financial inclusion ensures that individuals have access to financial products and services that meet their needs. As a key contributing factor to economic growth and investment opportunity, financial inclusion increases consumer spending…
Financial inclusion depends on providing adjusted services for citizens with disclosed vulnerabilities. At the same time, the financial industry needs to adhere to a strict regulatory framework, which is often in conflict with the desire…
Many applications from the financial industry successfully leverage clustering algorithms to reveal meaningful patterns among a vast amount of unstructured financial data. However, these algorithms suffer from a lack of interpretability…
Data aggregators collect large amount of information about individual users and create detailed online behavioral profiles of individuals. Behavioral profiles benefit users by improving products and services. However, they have also raised…
This research presents a cutting-edge recommendation system utilizing agentic AI for KYC (Know Your Customer in the financial domain), and its evaluation across five distinct content verticals: Advertising (Ad), News, Gossip, Sharing…
Classification and patterns extraction from customer data is very important for business support and decision making. Timely identification of newly emerging trends is very important in business process. Large companies are having huge…
A potential objective of every financial organization is to retain existing customers and attain new prospective customers for long-term. The economic behaviour of customer and the nature of the organization are controlled by a prescribed…
Exploring the darknet can be a daunting task; this paper explores the application of data mining the darknet within a Canadian cybercrime perspective. Measuring activity through marketplace analysis and vendor attribution has proven…
Modeling investor behavior is crucial to identifying behavioral coaching opportunities for financial advisors. With the help of natural language processing (NLP) we analyze an unstructured (textual) dataset of financial advisors' summary…
A success factor for modern companies in the age of Digital Marketing is to understand how customers think and behave based on their online shopping patterns. While the conventional method of gathering consumer insights through…
Financial institutions face escalating challenges in identifying high-risk customer behaviors within massive transaction networks, where fraudulent activities exploit market fragmentation and institutional boundaries. We address three…