Related papers: Personalized Communication Strategies: Towards A N…

Conversational interfaces increasingly rely on human-like dialogue to offer a natural experience. However, relying on dialogue involving multiple exchanges for even simple tasks can overburden users, particularly older adults. In this…

Self-Admitted Technical Debt or SATD can be found in various sources, such as source code comments, commit messages, issue tracking systems, and pull requests. Previous research has established the existence of relations between SATD items…

Developing intelligent persuasive conversational agents to change people's opinions and actions for social good is the frontier in advancing the ethical development of automated dialogue systems. To do so, the first step is to understand…

In this paper we define a metric for reciprocity---the degree of balance in a social relationship---appropriate for weighted social networks in order to investigate the distribution of this dyadic feature in a large-scale system built from…

Context. Technical Debt (TD) refers to short-term beneficial software solutions that impede future changes, making TD management essential. However, establishing a TD management (TDM) process is one of the most pressing concerns in…

Decades of social science research identified ten fundamental dimensions that provide the conceptual building blocks to describe the nature of human relationships. Yet, it is not clear to what extent these concepts are expressed in everyday…

The crowdfunding market size has increased exponentially, reaching tens of billions of dollars and showing the popularity of crowdfunding. However, according to Kickstarter, 35% backers did not receive rewards on time. To maintain the trust…

Basic personality traits are typically assessed through questionnaires. Here we consider phone-based metrics as a way to asses personality traits. We use data from smartphones with custom data-collection software distributed to 730…

In today's world, banks use artificial intelligence to optimize diverse business processes, aiming to improve customer experience. Most of the customer-related tasks can be categorized into two groups: 1) local ones, which focus on a…

We propose a new method for assessing agents' influence in financial network structures, which takes into consideration the intensity of interactions. A distinctive feature of this approach is that it considers not only direct interactions…

Whereas traditional credit scoring tends to employ only individual borrower- or loan-level predictors, it has been acknowledged for some time that connections between borrowers may result in default risk propagating over a network. In this…

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…

Machine learning models are trained to find patterns in data. NLP models can inadvertently learn socially undesirable patterns when training on gender biased text. In this work, we propose a general framework that decomposes gender bias in…

Personalized financial advice requires consideration of user goals, constraints, risk tolerance, and jurisdiction. Prior LLM work has focused on support systems for investors and financial planners. Simultaneously, numerous recent studies…

We take a game theoretical approach to determine necessary and sufficient conditions under which we can persuade rational agents to exchange messages in pairwise exchanges over links of a dynamic network, by holding them accountable for…

The European debt purchase market as measured by the total book value of purchased debt approached 25bn euros in 2020 and it was growing at double-digit rates. This is an example of how big the debt collection and debt purchase industry has…

Many households in developing countries lack formal financial histories, making it difficult for firms to extend credit, and for potential borrowers to receive it. However, many of these households have mobile phones, which generate rich…

In this work, we report on the effectiveness of our efforts to tailor the personality and conversational style of a conversational agent based on GPT-3.5 and GPT-4 through prompts. We use three personality dimensions with two levels each to…

Millions of people participate in online peer-to-peer support sessions, yet there has been little prior research on systematic psychology-based evaluations of fine-grained peer-counselor behavior in relation to client satisfaction. This…

Reciprocity in directed networks points to user's willingness to return favors in building mutual interactions. High reciprocity has been widely observed in many directed social media networks such as following relations in Twitter and…