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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…

Over the past decade, mobile phones have become prevalent in all parts of the world, across all demographic backgrounds. Mobile phones are used by men and women across a wide age range in both developed and developing countries.…

We analyze a coupled anonymized dataset collecting the mobile phone communication and bank transactions history of a large number of individuals. After mapping the social structure and introducing indicators of socioeconomic status,…

Patterns of mobile phone communications, coupled with the information of the social network graph and financial behavior, allow us to make inferences of users' socio-economic attributes such as their income level. We present here several…

Mobile phone usage provides a wealth of information, which can be used to better understand the demographic structure of a population. In this paper, we focus on the population of Mexican mobile phone users. We first present an…

In this paper we predict outgoing mobile phone calls using a machine learning approach. We analyze to which extent the activity of mobile phone users is predictable. The premise is that mobile phone users exhibit temporal regularity in…

It is of high interest for a company to identify customers expected to bring the largest profit in the upcoming period. Knowing as much as possible about each customer is crucial for such predictions. However, their demographic data,…

We present a link-centric approach to study variation in the mobile phone communication patterns of individuals. Unlike most previous research on call detail records that focused on the variation of phone usage across individual users, we…

Mobile phone communication as digital service generates ever-increasing datasets of human communication actions, which in turn allow us to investigate the structure and evolution of social interactions and their networks. These datasets can…

We analyze a large-scale mobile phone call dataset containing information on the age, gender, and billing locality of users to get insight into social closeness in pairs of individuals of similar age. We show that in addition to using the…

Marketing literature states that it is more costly to engage a new customer than to retain an existing loyal customer. Churn prediction models are developed by academics and practitioners to effectively manage and control customer churn in…

We analyse a coupled dataset collecting the mobile phone communications and bank transactions history of a large number of individuals living in a Latin American country. After mapping the social structure and introducing indicators of…

With the increasing usage of smartphones, there is a corresponding increase in the phone metadata generated by individuals using these devices. Managing the privacy of personal information on these devices can be a complex task. Recent…

In conventional mobile data plans, the data is associated with a fixed period (e.g., one month) and the unused data will be cleared at the end of each period. To take advantage of consumers' heterogeneous demands across different periods…

Recent communications environment significantly expand the mobile environment. Prepaid mobile services for 3G networks enables telecommunication to sign up new users by utilizing the latest in converged billing technologies. The worldwide…

In this paper we propose a framework for identifying patterns and regularities in the pseudo-anonymized Call Data Records (CDR) pertaining a generic subscriber of a mobile operator. We face the challenging task of automatically deriving…

We study the structure of the social graph of mobile phone users in the country of Mexico, with a focus on demographic attributes of the users (more specifically the users' age). We examine assortativity patterns in the graph, and observe a…

The aim of this study is to demostrate that mobile phone usage data can be used to make predictions and find the best classification method for credit scoring even if the dataset is small (2,503 customers). We use different classification…

While there is ample evidence that social and communication networks play a key role during the spread of new ideas, products, or services, network effects are expected to have diminished influence in the stationary state, when all users…

We study spatiotemporal correlations and temporal diversities of handset-based service usages by analyzing a dataset that includes detailed information about locations and service usages of 124 users over 16 months. By constructing the…