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The research identifies association rules that can inform marketing strategies and enhance operational efficiency. A structured methodology is applied to extract and interpret meaningful relationships within transactional data, emphasizing…
Symmetry-aware methods for machine learning, such as data augmentation and equivariant architectures, encourage correct model behavior on all transformations (e.g. rotations or permutations) of the original dataset. These methods can…
Data donation, an emerging user-centric data collection method for public sector research, faces a gap between participant willingness and actual donation. This suggests a design absence in practice: while promoted as "donor-centered" with…
Smart grids technologies are enablers of new business models for domestic consumers with local flexibility (generation, loads, storage) and where access to data is a key requirement in the value stream. However, legislation on personal data…
Today, almost all banks have adopted ICT as a means of enhancing their banking service quality. These banks provide ICT based electronic service which is also called electronic banking, internet banking or online banking etc to their…
Credit risk assessment of a company is commonly conducted by utilizing financial ratios that are derived from its financial statements. However, this approach may not fully encompass other significant aspects of a company. We propose the…
Financial institutions obtain enormous amounts of data about user transactions and money transfers, which can be considered as a large graph dynamically changing in time. In this work, we focus on the task of predicting new interactions in…
Increasingly digital workplaces enable advanced people analytics (PA) that can improve work, but also implicate privacy risks for employees. These systems often depend on employees sharing their data voluntarily. Thus, to leverage the…
The digital economy implements complex incentive systems to retain users through point redemption. Understanding user behavior in such complex incentive structures presents a fundamental challenge, especially in estimating the value of…
One of the important factors of profitability is the volume of transactions. An accurate prediction of the future transaction volume becomes a pivotal factor in shaping corporate operations and decision-making processes. E-commerce has…
This paper presents two cases of random banking data generators based on migration matrices and scoring rules. The banking data generator is a new hope in researches of finding the proving method of comparisons of various credit scoring…
The advent of financial technology has witnessed a surge in the utilization of deep learning models to anticipate consumer conduct, a trend that has demonstrated considerable potential in enhancing lending strategies and bolstering market…
The process of contagiousness spread modelling is well-known in epidemiology. However, the application of spread modelling to banking market is quite recent. In this work, we present a system of ordinary differential equations, simulating…
Urban demand forecasting plays a critical role in optimizing routing, dispatching, and congestion management within Intelligent Transportation Systems. By leveraging data fusion and analytics techniques, traffic demand forecasting serves as…
Changes in technology have resulted in new ways for bankers to deliver their services to costumers. Electronic banking systems in various forms are the evidence of such advancement. However, information security threats also evolving along…
Electronic Health Record (EHR) data encompass diverse modalities -- text, images, and medical codes -- that are vital for clinical decision-making. To process these complex data, multimodal AI (MAI) has emerged as a powerful approach for…
A folded type model is developed for analyzing compositional data. The proposed model involves an extension of the $\alpha$-transformation for compositional data and provides a new and flexible class of distributions for modeling data…
Data sharing is central to a wide variety of applications such as fraud detection, ad matching, and research. The lack of data sharing abstractions makes the solution to each data sharing problem bespoke and cost-intensive, hampering value…
Mobile network operators are facing the difficult task of significantly increasing capacity to meet projected demand while keeping CAPEX and OPEX down. We argue that infrastructure sharing is a key consideration in operators' planning of…
Artificial Intelligence (AI) has created the single biggest technology revolution the world has ever seen. For the finance sector, it provides great opportunities to enhance customer experience, democratize financial services, ensure…