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Increasing urban concentration raises operational challenges that can benefit from integrated monitoring and decision support. Such complex systems need to leverage the full stack of analytical methods, from state estimation using…
The work presented in this paper is part of the cooperative research project AUTO-OPT carried out by twelve partners from the automotive industries. One major work package concerns the application of data mining methods in the area of…
Credit card fraud is an ongoing problem for almost all industries in the world, and it raises millions of dollars to the global economy each year. Therefore, there is a number of research either completed or proceeding in order to detect…
User growth is a major strategy for consumer internet companies. To optimize costly marketing campaigns and maximize user engagement, we propose a novel treatment effect optimization methodology to enhance user growth marketing. By…
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…
This article proposes the so-called large user interface models (LUIMs) to enable the generation of user interfaces and prediction of usability using artificial intelligence in the context of mobile applications.
This paper proposes an approach that leverages multimodal data by integrating visual images with radio frequency (RF) pilots to optimize user association and beamforming in a downlink wireless cellular network under a max-min fairness…
Customer churn prediction in the telecommunications sector represents a critical business intelligence task that has evolved from subjective human assessment to sophisticated algorithmic approaches. In this work, we present a comprehensive…
In the quest for fairness in artificial intelligence, novel approaches to enhance it in facial image based gender classification algorithms using text guided methodologies are presented. The core methodology involves leveraging semantic…
We describe a technique that can be used for the fusion of multiple sources of information as well as for the evaluation and selection of alternatives under multi-criteria. Three important properties contribute to the uniqueness of the…
Online inclusive financial services encounter significant financial risks due to their expansive user base and low default costs. By real-world practice, we reveal that utilizing longer-term user payment behaviors can enhance models'…
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…
This research presents a hybrid emotion recognition system integrating advanced Deep Learning, Natural Language Processing (NLP), and Large Language Models (LLMs) to analyze audio and textual data for enhancing customer interactions in…
Inferences of the nuclear symmetry energy from heavy-ion collisions are currently based on the comparison of measured observables and transport model simulations. Only the expectation values of observables over all considered events are…
With the rapid growth of e-commerce, online payment fraud has become increasingly complex, posing serious threats to financial security and consumer trust. Traditional detection methods often struggle to capture the intricate relational…
Smart wearables have played an integral part in our day to day life. From recording ECG signals to analysing body fat composition, the smart wearables can do it all. The smart devices encompass various sensors which can be employed to…
Mortgage risk assessment traditionally relies on structured financial data, which is often proprietary, confidential, and costly. In this study, we propose a novel multimodal deep learning framework that uses cost-free, publicly available,…
In todays competitive landscape, businesses grapple with customer retention. Churn prediction models, although beneficial, often lack accuracy due to the reliance on a single data source. The intricate nature of human behavior and high…
The maintenance of big cities public transport service quality requires constant monitoring, which may become an expensive and time-consuming practice. The perception of quality, from the users point of view is an important aspect of…
The task of CDMA multiuser detection is to simultaneously estimate binary symbols of $K$ synchronous users from the received $N$ base-band CDMA signals. Mathematically, this can be formulated as an inference problem on a complete bipartite…