相关论文: A Data Mining framework to model Consumer Indebted…
Consumer credit services offered by e-commerce platforms provide customers with convenient loan access during shopping and have the potential to stimulate sales. To understand the causal impact of credit lines on spending, previous studies…
Macroeconomic factors have a critical impact on banking credit risk, which cannot be directly controlled by banks, and therefore, there is a need for an early credit risk warning system based on the macroeconomy. By comparing different…
Process mining provides methods to analyse event logs generated by information systems during the execution of processes. It thereby supports the design, validation, and execution of processes in domains ranging from healthcare, through…
What people buy is an important aspect or view of lifestyles. Studying people's shopping patterns in different urban regions can not only provide valuable information for various commercial opportunities, but also enable a better…
The modal factor model represents a new factor model for dimension reduction in high dimensional panel data. Unlike the approximate factor model that targets for the mean factors, it captures factors that influence the conditional mode of…
This paper addresses challenges of designing and managing Complex Performance Indicators (CPI), which amalgamate individual indicators to measure latent, yet crucial business factors like customer satisfaction or sustainability indices.…
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…
Investigation of household electricity usage patterns, and matching the patterns to behaviours, is an important area of research given the centrality of such patterns in addressing the needs of the electricity industry. Additional knowledge…
This paper describes a method for defining representative load profiles for domestic electricity users in the UK. It considers bottom up and clustering methods and then details the research plans for implementing and improving existing…
Analysis of factors that affect students academic performance - Data Mining Approach
Credit scores are critical for allocating consumer debt in the United States, yet little evidence is available on their performance. We benchmark a widely used credit score against a machine learning model of consumer default and find…
Many data mining approaches aim at modelling and predicting human behaviour. An important quantity of interest is the quality of model-based predictions, e.g. for finding a competition winner with best prediction performance. In real life,…
Predicting a customer's propensity-to-pay at an early point in the revenue cycle can provide organisations many opportunities to improve the customer experience, reduce hardship and reduce the risk of impaired cash flow and occurrence of…
The increasing multiplicity of data sources offers exciting possibilities in estimating the effects of a treatment, intervention, or exposure, particularly if observational and experimental sources could be used simultaneously. Borrowing…
Data mining can be evaluated as a strategic tool to determine the customer profiles in order to learn customer expectations and requirements. Airline customers have different characteristics and if passenger reviews about their trip…
Advanced metering infrastructure systems record a high volume of residential load data, opening up an opportunity for utilities to understand consumer energy consumption behaviors. Existing studies have focused on load profiling and…
Understanding the movement behaviours of individuals and the way they react to the external world is a key component of any problem that involves the modelling of human dynamics at a physical level. In particular, it is crucial to capture…
Decisions by humans depend on their estimations given some uncertain sensory data. These decisions can also be influenced by the behavior of others. Here we present a mathematical model to quantify this influence, inviting a further study…
Machine learning has the potential to aid in mitigating the human effects of climate change. Previous applications of machine learning to tackle the human effects in climate change include approaches like informing individuals of their…
Psychological models are increasingly being used to explain online behavioral traces. Aside from the commonly used personality traits as a general user model, more domain dependent models are gaining attention. The use of domain dependent…