相关论文: Behavior Revealed in Mobile Phone Usage Predicts L…
With the increase of credit card usage, the volume of credit card misuse also has significantly increased. As a result, financial organizations are working hard on developing and deploying credit card fraud detection methods, in order to…
Nonresponse arises frequently in surveys and follow-ups are routinely made to increase the response rate. In order to monitor the follow-up process, callback data have been used in social sciences and survey studies for decades. In modern…
When a phone-use agent avoids harm, does that show safety, or simply inability to act? Existing evaluations often cannot tell. A harmful outcome may be avoided because the agent recognized the risk and chose the safe action, or because it…
Sensor data collected from smartphones provides the possibility to passively infer a user's personality traits. Such models can be used to enable technology personalization, while contributing to our substantive understanding of how human…
Prediction models can improve efficiency by automating decisions such as the approval of loan applications. However, they may inherit bias against protected groups from the data they are trained on. This paper adds counterfactual…
Debt aversion can have severe adverse effects on financial decision-making. We propose a model of debt aversion, and design an experiment involving real debt and saving contracts, to elicit and jointly estimate debt aversion with…
Real-life mobile phone data may contain noisy instances, which is a fundamental issue for building a prediction model with many potential negative consequences. The complexity of the inferred model may increase, may arise overfitting…
Earlier attempts to investigate the changes of the role of friendship in different life stages have failed due to lack of data. We close this gap by using a large data set of mobile phone calls from a European country in 2007, to study how…
With the growth of using cell phones and the increase in diversity of smart mobile devices, a massive volume of data is generated continuously in the process of using these devices. Among these data, Call Detail Records, CDR, is highly…
The risk of a credit portfolio depends crucially on correlations between the probability of default (PD) in different economic sectors. Often, PD correlations have to be estimated from relatively short time series of default rates, and the…
Humans must flexibly arbitrate between exploring alternatives and exploiting learned strategies, yet they frequently exhibit maladaptive persistence by continuing to execute failing strategies despite accumulating negative evidence. Here we…
The present paper introduces a novel approach to studying social media habits through predictive modeling of sequential smartphone user behaviors. While much of the literature on media and technology habits has relied on self-report…
Prevailing user authentication schemes on smartphones rely on explicit user interaction, where a user types in a passcode or presents a biometric cue such as face, fingerprint, or iris. In addition to being cumbersome and obtrusive to the…
To study users' travel behaviour and travel time between origin and destination, researchers employ travel surveys. Although there is consensus in the field about the potential, after over ten years of research and field experimentation,…
The estimate of a Multiperiod probability of default applied to residential mortgages can be obtained using the mean of the observed default, so called the Mean of ratios estimator, or aggregating the default and the issued mortgages and…
Does machine learning and AI ensure that social biases thrive ? This paper aims to analyse this issue. Indeed, as algorithms are informed by data, if these are corrupted, from a social bias perspective, good machine learning algorithms…
Considering that prior research has found older users undergo a different privacy decision-making process compared to younger adults, more research is needed to inform the behavioral privacy disclosure effects of these strategies for…
It might be intuitive to expect that small or reimbursed financial loss resulting from credit or debit card fraud would have low or no financial impact on victims. However, little is known about the extent to which financial fraud impacts…
According to theoretical models of valuing risky corporate securities, risk of default is primary component in overall yield spread. However, sizable empirical literature considers it otherwise by giving more importance to non-default risk…
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,…